Dynamic API Integration

Endpoints

All the endpoints below have a prefix of: https://vehicle-api.senang.io/v1/
Example: POST https://vehicle-api.senang.io/v1/generate-quote

🌍 Environment and Documentation

Environment	API URL	Swagger Docs
Staging	http://vehicle-api.staging.senangpks.com.my/v1/	http://vehicle-api.staging.senangpks.com.my/v1/api-docs/
Production	https://vehicle-api.senang.io/v1/	https://vehicle-api.senang.io/v1/api-docs/

⚠️ Note: You will need an API Key and API Secret from Senang to access the API.

🔐 API Credentials

API KEY: ********************
API SECRET: ********************

📩 Authorisation Headers

Every API request to Senang must include:

Header	Description
`x-sg-api-key`	Your API key (from Admin Portal)
`x-sg-timestamp`	Current Unix timestamp
`x-sg-signature`	Base64 hash signature (HMAC-SHA256 preferred)

🔑 Generating Signature (Node.js Example)

var CryptoJS = require('crypto-js');

// Set your secret key and data to be hashed
var apiKey = pm.environment.get('api_key');
var apiSecret = pm.environment.get('api_secret');
var id = ''; // Quotation ID (optional for generateQuote API)

let timestamp = Math.round(new Date().getTime() / 1000);
let signatureTxt = apiKey + apiSecret + timestamp + id;

// Generate the hash (MD5 → Base64)
var hash = CryptoJS.MD5(signatureTxt).toString(CryptoJS.enc.Base64);

pm.request.headers.add({ key: 'x-sg-api-key', value: apiKey });
pm.request.headers.add({ key: 'x-sg-signature', value: hash });
pm.request.headers.add({ key: 'x-sg-timestamp', value: timestamp });

🚘 REST API REFERENCES

📥 Generate Quote

This endpoint retrieves quotations from all insurance providers, showing their basic premium and addon pricing for the minimum sum insured. POST: {{baseUrl}}/generate-quote Request Parameters

Parameter	Validation Rule	Sample Data
vehRegNo	Alphabets and digits only	VBU7326
fullName	Refer to Validations	temp dummy name
idType	nric / passport / company	nric
idNumber	- NRIC: 12 digits - Passport: alphanumeric - Company: letters, digits and `-` allowed	020823010567
dob	DD/MM/YYYY Company car → default: 01/01/1970	23/08/2002
postcode	Valid 5-digit Malaysia postcode	43900
email	Valid email format	test@senang.com.my
vehicleCoverTypeID	COMP / TPFT / TP	COMP
insurer	Optional. List: aia, aig, allianz, allianz_car, chubb, etiqa, msig, pacific_insurance, takaful_ikhlas, takaful_malaysia, tokio_marine, zurich	takaful_ikhlas

Response Parameters

Parameter	Description	Sample Data
id	Unique quotation ID generated by Senang	0442cb1f-9365-4077-b5f6-92cd06699917
vehicleCoverTypeID	Coverage type	COMP
updatedAt	Date and time of response (24-hour format)	2025-11-09T10:12:57.210Z
vehicleType	Type of vehicle	CAR
vehiclePortalLink	Link to view the quotation in vehicle portal	https://vehicle.senang.io/quotation/0442cb1f-9365-4077-b5f6-92cd06699917?reqid=0442cb1f-9365-4077-b5f6-92cd06699917&expiry=1762686777303&signature=b1d161fb00edbb8348ac6d64b94a3afb
roadtax	Road tax data	Road Tax Data
providers	Array of provider data	Provider Data

Sample Payload 🔗 Senang Vehicle API - Generate Quote Sample

🔁 Update Quote

This endpoint updates an existing quote with selected coverage, add-ons, discounts, or sum insured values. POST: {{baseUrl}}/update-quote Request Parameters

Parameter	Validation Rule	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917
vehicleCoverTypeID	Alphabet only, limited to: COMP / TPFT / TP	COMP
inclusiveRoadTax	Boolean	true
addOn	Additional benefits based on availableAddon for each provider	`json{"windshield":500,"iosp":true,"srcc":true,"llop":true,"lltp":true,"sprc":true,"twcd":"twcd_plan1","paPlus":"carpa_2","cart":"cart_7_50","wceud":true,"allDrivers":true,"additionalDrivers":[]}`
marketValue	If true, sumInsured will be auto-capped within provider’s market value range	true
agreedValue	If true, sumInsured will be auto-capped within provider’s agreed value range. Priority over marketValue	false
sumInsured	Digits only, two decimal points	14500.00
provider	Selected insurance provider: aia, aig, allianz, allianz_car, chubb, etiqa, msig, pacific_insurance, takaful_ikhlas, takaful_malaysia, tokio_marine, zurich	takaful_ikhlas
platformDiscountPerc	Platform discount in % (does not appear on provider cover note)	0
platformDiscount	Platform discount in fixed value (does not appear on provider cover note)	0
discountPerc	Discount % (updated to provider and cover note)	0
extendedData	[Optional] Select variant. Supported for tokio_marine, zurich, aig and allianz_car only	`json{"tokio_marine":{"variant":""}}`
nvic	[Optional] Needed if partner opts for a new vehicle model variant	JUB22A
vehmakeminor	[Optional] Takaful Ikhlas only; needed for new vehicle model.	613

⚠️ Note:

Ifboth agreedValue and marketValue are true, agreedValue takes priority.
If agreedValue is not supported by the provider, it will default to marketValue.
Partners are required to update the variant’s sum insured whenever a variant change is made.

Response Parameters

Parameter	Description	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917
vehicleCoverTypeID	Coverage type	COMP
updateAt	Quote update timestamp	2025-11-09T10:12:57.000Z
vehicleType	Type of vehicle	CAR
vehiclePortalLink	Link to view the quotation in vehicle portal	https://vehicle.senang.io/quotation/0442cb1f-9365-4077-b5f6-92cd06699917?reqid=0442cb1f-9365-4077-b5f6-92cd06699917&expiry=1762686777303&signature=b1d161fb00edbb8348ac6d64b94a3afb
roadtax	Road data	Road Tax Data
providers	Array of provider data	Provider Data

Sample Payload 🔗 Senang Vehicle API - Update Quote Payload

👤 Update Personal Info

This endpoint allows users to update personal information related to their quotation, such as name, address, contact details, and gender. POST: {{baseUrl}}/update-personal-info Request Parameters

Parameter	Validation Rule	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917
fullName	Alphabets allowed with /@()’.- Length: 5 – 60 characters	SHARIAN RAJ
address1	Alphabets and digits allowed with /@.<,>- Length: 5 – 40 characters	NO. 54 JALAN MAWAR 10C TAMAN MAWAR
address2	[Optional] Alphabets and digits allowed with /@.<,>- Length: 5 – 40 characters	FASA 2 BANDAR BARU SALAK TINGGI
address3	[Optional] Alphabets and digits allowed with /@.<,>- Length: 5 – 40 characters
postcode	Valid five-digit postcode	43900
mobileNo	Valid Malaysia number (digits only, must start with 60)	60123456789
email	Valid email including @.	email@example.com
gender	- Male - Female	Male

Response Parameters

Parameter	Description	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917
vehicleCoverTypeID	Coverage type	COMP
updateAt	Quote update timestamp	2025-11-09T10:12:57.000Z
vehicleType	Type of vehicle	CAR
vehiclePortalLink	Link to view the quotation in vehicle portal	https://vehicle.senang.io/quotation/0442cb1f-9365-4077-b5f6-92cd06699917?reqid=0442cb1f-9365-4077-b5f6-92cd06699917&expiry=1762686777303&signature=b1d161fb00edbb8348ac6d64b94a3afb
roadtax	Road data	Road Tax Data
providers	Array of provider data	Provider Data

📄 Issue Policy

This endpoint is used to issue a policy for a previously generated quote. It can be executed multiple times to check the current policy status. ✅ **Important: **Senang will only trigger an issuePolicy request to the insurance provider when the policy status is PENDING, ensuring the policy is issued exactly once by both Senang and the insurance provider. POST: {{baseUrl}}/issue-policy Request Parameters

Parameter	Validation Rule	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917
paymentRef	Alphabets and digits in any order (unique reference from partner)	1015592045251087
paymentType	Accepted values: PARTNER, BILLPLZ, CASH, LOAN	PARTNER
marketingConsent	[Optional] Boolean. Default value is false	false

Response Parameters

Parameter	Description	Sample Data
coverNoteNo	Cover note number provided by insurance provider	ML1308330
policyUrl	URL to view issued policy (Only applicable to AIA, AIG, Takaful Ikhlas, Takaful Malaysia)	https://w7.financial-link.com.my/Agency/showcvnote.jsp?qno=ML1308330&agcode=GTX000007&app=cnenq&tccompcode=A1&sess=456QilBBtKXE%2BRcAKIQuGmvuLJE%3D
policyStatus	Indicates current policy status: - PENDING: Initial status - PENDING_REFERCASE: Requires provider’s approval - APPROVED: Policy successfully issued - REJECTED: Refer case declined by the insurance provider.	APPROVED
effectiveDate	Policy effective date and time (24-hour format)	2025-12-14T16:00:00.000Z
issuedDate	Policy issued date and time (24-hour format)	2025-11-09T10:18:27.889Z
referCase	Referred case details provided by the insurance provider. Will be null if not a refer case	null
response	Contains provider response metadata. status will be false if there is an error on the provider’s API.	Example: `json {"status": true, "type": "issueCovernote"}`

Additional Notes:

**Policy Status **is a key field for tracking refer cases.
PENDING: Default status when a policy request is created.
PENDING_REFERCASE: Requires insurance provider’s manual approval.
APPROVED: Policy successfully issued with a valid cover note number.
REJECTED: Refer case declined by the insurance provider.
Partners can **retry **this API multiple times to check policy status.

⚠️ **Note: **If the insurance provider’s API times out, the transaction will be treated as unsuccessful, and the policyStatus will remain PENDING.

📑 Optional: Get Policy

This endpoint allows users to retrieve policy information based on the quotation ID. It can also be used to verify the JPJ (Road Transport Department) status of a policy. ⚠️ Note: JPJ may reject certain policies even after the cover note has been issued. POST: {{baseUrl}}/get-policy Request Parameters

Parameter	Validation Rule	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917

Response Parameters

Parameter	Description	Sample Data
total	Total number of policies returned	1
policies	Array of policy data	Example: `json[{"id":"0442cb1f-9365-4077-b5f6-92cd06699917","coverNoteNo":"ML1308330","issuedDate":"2025-11-09T10:18:28.000Z","effectiveDate":"2025-12-14T16:00:00.000Z","expiryDate":"2026-12-13T16:00:00.000Z","vehicleCoverTypeID":"COMP","jpjStatus":"C","policyUrl":"https://w7.financial-link.com.my/Agency/showcvnote.jsp?qno=ML1308330&agcode=GTX000007&app=cnenq&tccompcode=A1&sess=456QilBBtKXE%2BRcAKIQuGmvuLJE%3D","status":"APPROVED","provider":"takaful_ikhlas"}]`
response	API response metadata	Example: `json{"status":true,"type":"getPolicy"}`

Additional Notes:

This API is useful for verifying issued policies.
The policies array contains full policy details such as provider, status, cover note, and issue date.

Optional: Prepare Payment

This endpoint allows users to generate a Billplz payment URL to initiate the payment process. Once generated, the payment URL can be used by the user to complete the transaction securely through the Billplz payment gateway. POST: {{baseUrl}}/prepare-payment Request Parameters

Parameter	Validation Rule	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917
paymentType	Payment method. Must be BILLPLZ	BILLPLZ
redirectURL	[Optional] URL to redirect users after completing payment.	https://partner-website.com/policy

Response Parameters

Parameter	Description	Sample Data
paymentID	Unique payment identifier generated by the system	827d61aa0c2838b4
paymentURL	URL to Billplz payment page	https://www.billplz.com/bills/827d61aa0c2838b4
status	Current payment status	PENDING_FOR_PAYMENT

Additional Notes:

Once the payment URL has been generated, the policy cannot be modified.
If any modification is required, trigger the Cancel Payment API to cancel the existing payment and make the necessary updates.
The **Issue Policy API **must be triggered using the **same **paymentID for payment validation.

Optional: Cancel Payment

This endpoint allows users to cancel a previously created payment in order to modify policy or quotation details before reinitiating payment. POST: {{baseUrl}}/cancel-payment Request Parameters

Parameter	Validation Rule	Sample Data
id	id from Generate Quote API response	0442cb1f-9365-4077-b5f6-92cd06699917

Response Parameters

Parameter	Description	Sample Data
paymentCancelled	Indicates whether the payment was successfully cancelled	true

Additional Notes:

This API should be used only when the payment URL has been generated and a policy update or modification is required.
Once the payment is cancelled, users can regenerate a new payment URL using the Prepare Payment API.

Optional: Cancel Payment

This endpoint retrieves the city and state based on the provided postcode. POST: {{baseUrl}}/postcode Request Parameters

Parameter	Validation Rule	Sample Data
postcode	Valid 5-digit postcode	40300

Response Parameters

Parameter	Description	Sample Data
postcode	Postcode	40300
city	City from provided postcode	SHAH ALAM
state	State from provided postcode	SELANGOR

Optional: JPJ Callback

This optional callback endpoint is triggered by Senang to notify partners about the policy’s JPJ status after issuance. The callback includes policy details and a signature header for verification. POST: {{callbackUrl}}/jpj-callback Header

Header	Description
Content-Type	application/json
x-sg-signature	HMAC-SHA256 signature for API verification

Request Sample

{
  "id": "f4993a80-2dce-4c1f-83f5-6e735a181c4f", 

  "Provider": "etiqa", 

  "policyUrl": null, 

  "vehicleCoverTypeID": "COMP", 

  "coverNoteNo": "C1831232", 

  "status": "APPROVED", 

  "effectiveDate": "2022-03-25T16:00:00.000Z", 

  "expiryDate": "2023-03-24T16:00:00.000Z", 

  "issuedDate": "2022-03-24T09:19:09.000Z", 

  "jpjStatus": "C", 

  "isReferCase": false, 

  "referCase": null 

}

Signature Verification To verify the callback request:

Concatenate id, status, and jpjStatus.

Example: f4993a80-2dce-4c1f-83f5-6e735a181c4fAPPROVEDC

Generate a HMAC-SHA256 hash using your shared apiSecret.
Encode the hash result in Base64.
Compare your generated value with the x-sg-signature header.

Example (JavaScript): const signature = CryptoJS.HmacSHA256( id + status + jpjStatus, ‘SECRET’ ).toString(CryptoJS.enc.Base64); ⚠️ Notes:

The callback URL must be provided by Partners.
JPJ status updates are automatically pushed via this callback.

HTTP Response Codes

These are the standard HTTP response codes returned by the API to indicate the result of a request.

Response Codes

HTTP Code	Description
200	Successful
400	Bad Request / Validation Error
401	Access Denied
404	Not Found

Example Error Response

{
  "message": "Invalid API key!", 

  "code": "ACCESS_DENIED", 

  "status": false, 

  "data": {} 
}

Response Object

This object includes road tax information, provider details, vehicle summary, premium summary, provider response, and policy information returned by Senang.

Road Tax Data

This object contains the data format returned by Senang for road tax.

Parameter	Description	Sample Data
inclusiveRoadTax	Indicates if the road tax is included in the policy. Default is false.	true
deliveryFee	Road tax delivery fee	0.00
roadTaxFee	Road tax fee	90.00
handlingFee	Road tax handling fee	10.00
finalAmount	Road tax final amount	100.00
isSupported	Determines whether a road tax service is supported	true
title	Translation of the road tax title	Example: `json{"en":"Road Tax","bm":"Cukai Jalan"}`
description	Translation of the road tax description	Example: `json{"en":"Renew your road tax and get it delivered to you within 5 working days. Road tax renewal will be valid for 1 year.","bm":"Perbaharui cukai jalan anda dan dapatkannya dalam masa 5 hari bekerja. Pembaharuan cukai jalan sah selama 1 tahun."}`

Provider Data

This object contains the data format returned by Senang for each insurance provider.

Parameter	Description	Sample Data
provider	Name of the insurance providers: aia, aig, allianz, allianz_car, chubb, etiqa, msig, pacific_insurance, takaful_ikhlas, takaful_malaysia, tokio_marine, zurich	takaful_ikhlas
vehicleCoverTypeID	Coverage type, limited to: COMP / TPFT / TP	COMP
vehicleSummary	Summary of vehicle details	Vehicle Summary
premiumSummary	Summary of premium details	Premium Summary
variants	Lists of all available vehicle variants from provider	Example: `json[{"nvic":"JDO18A","vehModel":"AXIA","vehSeat":5,"vehTransType":"5 SP MANUAL","capacity":"998","vehVariantDesc":"AXIA E MY14 FACELIFT 5 SP MANUAL","series":"MY14 FACELIFT"},{"nvic":"JDP18A","vehModel":"AXIA","vehSeat":5,"vehTransType":"4 SP AUTOMATIC","capacity":"998","vehVariantDesc":"AXIA G MY14 FACELIFT 4 SP AUTOMATIC","series":"MY14 FACELIFT"}]`
allModelDesc	Applicable for Takaful Ikhlas only. Lists of all available vehicle variants from provider	Example: `json[{"modeldesc":"CRV","vehmakeminor":"05"},{"modeldesc":"CPV/E-RD1","vehmakeminor":"207"},{"modeldesc":"C-RV 2.0L 4WD (A)","vehmakeminor":"558"}]`
response	Provider response status	Provider Response
marketValue	Market value determined by ISM / insurance provider	20600.00
marketValueRange	Minimum and maximum market value supported	Example: `json{"min": "18600.00","max": "21900.00"}`
agreedValueRange	Minimum and maximum agreed value supported. Both will be 0 if not applicable	Example: `json{"min": "0.00","max": 0.00"}`
availableAddon	Additional benefits offered by provider. Includes list of supported add-ons with title, description, sum insured, and premium	Example: `json{"windshield":{"title":{"en":"string","bm":"string"},"description":{"en":"string","bm":"string"},"premium":"string","sumInsured":"string"}}`
referCase	Referred case details (code and description). Null for non-referred cases	null
pdsLink	Product Disclosure Sheet (PDS) URL	https://www.takaful-ikhlas.com.my/api/uploads/7_IKHLAS_PC_Comp_Plus_Takaful_PDS_ENG_0524_5_0_website_607b250490.pdf
aqadAgreementLink	Aqad agreement URL	null
productCertificateLink	Product certificate URL	https://www.takaful-ikhlas.com.my/sites/default/files/IKHLAS%20Private%20Car%20Takaful_Certificate(ENg).v3.0_website.pdf

Vehicle Summary

This object contains the vehicle summary information. The values may vary depending on the insurance provider.

Parameter	Description	Sample Data
vehRegNo	Vehicle registration number	VBU7326
chassisNo	Chassis number	PM2B200S003322994
engineNo	Engine number	H10C37S
engineCC	Engine capacity (CC)	998
manufacturingYear	Year of manufacture	2018
seatCapacity	Seat capacity	5
typeOfCover	Type of coverage	Comprehensive Plus
useOfVehicle	Usage type	Private Use
placeofUse	Place of use	Peninsular Malaysia
vehicleClass	Vehicle class (e.g. Private Car, Motorcycle)	Private Car Comp Plus
vehicleModel	Vehicle model	AXIA G MY14 FACELIFT 4 SP AUTOMATIC
make	Vehicle make	PERODUA
model	Vehicle model name	AXIA G MY14 FACELIFT 4 SP AUTOMATIC
variant	Variant	G
transmission	Transmission type	4 SP AUTOMATIC
series	Vehicle series	MY14 FACELIFT
ncdValue	NCD value	223.16
ncdPercentage	NCD percentage	25.00
marketValue	Market value from ISM / insurance provider	20600.00
vehicleType	Vehicle type code	CAR
selectedVariant	Variant selected	Example: `json{"nvic": "JDP18A", "vehVariantDesc": "4 SP AUTOMATIC G"}`

Premium Summary

This section provides the premium summary details, which may vary for each insurance provider. Refer to Premium Summary Calculation for detailed computation logic.

Parameter	Description	Sample Data
basicPremium	Insurance provider quotation number	719.65
sumInsured	Sum insured value	18600.00
isMarketValue	Boolean. Indicates if it is market value	true
isAgreedValue	Boolean. Indicates if it is agreed value	false
ncdValue	NCD value	223.16
ncdPercentage	NCD percentage	25.00
addOn	Additional benefits (array). Only selected & supported add-ons by the provider will be listed in quotation & cover note.	See example ↓
excess	Excess	0.00
basicContribution	Basic contribution	892.63
grossContribution	Gross contribution	819.32
totalContribution	Total contribution	894.87
totalCommission	Total commission	81.94
premium	Premium	894.87
platformDiscount	Discount by Partners	0.00
platformDiscountPerc	Discount percentage by Partners	0.00
promoCodeDiscount	Promo code discount by Partners	0.00
roadTaxDiscount	Road tax discount	0.00
discountPerc	Discount by Partners	0.00
discount	Discount percentage by Partners	0.00
stampDuty	Stamp duty	10.00
netPremium	Net premium	812.93
sstPercentage	SST percentage	8.00
sst	SST amount	65.55
processingFee	Processing fee	0.00
roadTaxFee	Road tax fee	0.00
effectiveDate	Policy effective date	2025-12-14T16:00:00.000Z
expiryDate	Policy expiry date	2026-12-13T16:00:00.000Z
quoteUrl	Quotation link from provider	https://w7.financial-link.com.my/Agency/showquo.jsp?qno=48738079202511091812AUTO&stat=O&tccompcode=A1&agcode=GTX000007&sess=lgMDrCGd6WyIubuMW5pqYs6uxEo%3D
nvic	Variant	JDP18A

📌 Example JSON for `addOn`

[
  { "code": "windshield", "benefit": "Cover for Windscreens, Windows and Sunroof (RM 500.00)", "sumInsured": "500.00", "premium": "75.00" },
  { "code": "all_drivers", "benefit": "All Drivers", "sumInsured": "18600.00", "premium": "0.00" },
  { "code": "tfr", "benefit": "Transportation fee reimbursement (non-tariff)", "sumInsured": "18600.00", "premium": "0.00" },
  { "code": "srcc", "benefit": "Strike, Riot & Civil Commotion", "sumInsured": "18600.00", "premium": "0.00" },
  { "code": "lltp", "benefit": "Legal Liability to Passengers (RM 18,600.00)", "sumInsured": "18600.00", "premium": "30.15" },
  { "code": "llop", "benefit": "Legal Liability of Passengers for Negligence Acts (RM 18,600.00)", "sumInsured": "18600.00", "premium": "7.50" },
  { "code": "iosp", "benefit": "Inclusion of Special Perils (RM 18,600.00)", "sumInsured": "18600.00", "premium": "37.20" },
  { "code": "cpac", "benefit": "Complementary personal accident cover for participant", "sumInsured": "18600.00", "premium": "0.00" }
]```

### Premium Summary Calculation Table

<table style="min-width: 300px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="1" style="width:86pt;height:29.25pt"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Pacific Insurance</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Takaful Ikhlas</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Takaful Malaysia</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Tokio&nbsp;Marine</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Zurich Takaful</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:15.0pt"><p>[API]&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>suminsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>suminsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>suminsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>SUMINS&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>sumInsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>sumInsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>suminsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>suminsured&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>SUMINS&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>sumInsured&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:29.25pt"><p>[API]&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>tariffpremium + loadingamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>tariffpremium + loadingamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>basicPremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>BASICPREM&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>basicPremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>basicPrem&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>tariffpremium + basicpremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>tariffpremium + basicpremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>BASICPREMIUM&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>basicPrem&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:29.25pt"><p>[API]&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdAmt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>NCDAMT&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdAmount&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdPc&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>NCDAMT&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ncdPct&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:57.75pt"><p>[API] Basic Contribution – NCD + AddOn Premium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossprem&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossprem&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossPremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>GPREM&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossPremium + paPremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossPrem&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossprem&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossprem&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>GPREM&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossPrem&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:25.5pt"><p>[API]&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>servicetaxamt</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>servicetaxamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>serviceTaxAmount&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>STAXAMT&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>taxAmount&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>GST_Amt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>servicetaxamt</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>servicetaxamt</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>STAXAMT&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>GST_Amt&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:15.0pt"><p>[API]&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>stampduty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>stampduty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>stampDuty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>STAMP_DUTY&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>[fixed] RM10&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>StampDutyAmt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>stampduty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>stampduty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>STAMP_DUTY&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>stampDutyAmt&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:43.5pt"><p>[Custom] by Senang/Merchant&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:43.5pt"><p>[Custom] by Senang/Merchant&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:29.25pt"><p>[Custom] by Senang/Merchant&nbsp;</p></td><td colspan="11" rowspan="1" style="width:949pt;height:29.25pt"><p>[Calculated] grossContribution*platformDiscountPerc&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:43.5pt"><p>[Custom] by Senang/Merchant&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:15.0pt"><p>[API]&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>discountamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>discountamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>rebateAmt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>-&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>totalDiscount&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>rebateAmt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>discountamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>discountamt&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>REBATEAMT&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>rebateAmt&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:43.5pt"><p>[API] Premium by Insurance Providerd&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossdue&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossdue&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>premiumDue&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>TOTPREM&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>nettPremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ttlPayablePremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossdue&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>grossdue&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>TOTPREM&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>ttPayablePremium&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:57.75pt"><p>[Custom] BNM rounding is enforced for all Providers&nbsp;&nbsp;</p></td><td colspan="11" rowspan="1" style="width:949pt;height:57.75pt"><p>[Calculated] BNM rounding (provider premium)&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:101.25pt"><p>[Custom] Premium value returned on generate-quote API is based on this basicPremium&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>(tariffPremium + loading + riderLoading – ncd - discount) × 1.06) + stampDuty&nbsp;<br><br>(apply BNM rounding if required)</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>basicContribution – NCD + serviceTax + stampDuty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>AnnualPremium + serviceTaxAmt + stampDuty&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Same as Basic Contribution&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>(tariffPremium + loading + riderLoading – ncd - discount) × 1.06) + stampDuty&nbsp;<br><br>(apply BNM rounding if required)</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Same as Basic Contribution&nbsp;</p></td><td colspan="1" rowspan="1" style="width:86pt"><p></p></td><td colspan="3" rowspan="1" style="width:259pt;height:101.25pt"><p>(tariffPremium + loading + riderLoading – ncd - discount) × 1.06) + stampDuty&nbsp;<br><br>(apply BNM rounding if required)</p></td><td colspan="1" rowspan="1" style="width:86pt"><p>Same as basicContribution&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="width:86pt;height:29.25pt"><p>[Custom]&nbsp;</p></td><td colspan="11" rowspan="1" style="width:949pt;height:29.25pt"><p>[Calculated] premium + processingFee + roadTaxFee + roadTaxHandlingFee + roadTaxDeliveryFee - platformDiscount - roadTaxDiscount - promoCodeDiscount - platformDiscountPercAmount&nbsp;</p></td></tr></tbody>
</table>

### Provider Response

This object is used to track insurance provider API calls and their status.

| **Parameter** | **Description**                                                                                                  | **Sample Data**                                                                                                                                |
| :------------ | :--------------------------------------------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------------------------------------------------------------- |
| status        | Insurance provider API response status                                                                           | false                                                                                                                                          |
| type          | Insurance provider API name                                                                                      | takaful_ikhlas                                                                                                                                 |
| providerCode  | Insurance provider status code                                                                                   | 003                                                                                                                                            |
| providerDesc  | Insurance provider error message                                                                                 | webservice not available                                                                                                                       |
| code          | Error code from Senang.    The Senang **<u>Error Code</u>** is mapped based on the insurance provider error code | SNG001                                                                                                                                         |
| error         | Error message from Senang                                                                                        | Your vehicle has already been renewed. Please check with the insurance provider or contact the customer service team for a personalised quote. |

### Policy Data

This object contains details about the insurance policy including its status, dates, provider information, and JPJ submission results.

| **Parameter**      | **Description**                                                                                                                                                                                                           | **Sample Data**                                                                                                                                                                                                                                                                                                   |
| :----------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| id                 | id from **Generate Quote** API response                                                                                                                                                                                   | 0442cb1f-9365-4077-b5f6-92cd06699917                                                                                                                                                                                                                                                                              |
| provider           | Name of the insurance providers: aia, aig, allianz, allianz_car, chubb, etiqa, msig, pacific_insurance, takaful_ikhlas, takaful_malaysia, tokio_marine, zurich                                                            | takaful_ikhlas                                                                                                                                                                                                                                                                                                    |
| policyUrl          | URL to view issued policy  <br />(Only applicable to AIA, AIG, Takaful Ikhlas, Takaful Malaysia)                                                                                                                          | [<u>https://w7.financial-link.com.my/Agency/showcvnote.jsp?qno=ML1308330&agcode=GTX000007&app=cnenq&tccompcode=A1&sess=456QilBBtKXE%2BRcAKIQuGmvuLJE%3D</u>](https://w7.financial-link.com.my/Agency/showcvnote.jsp?qno=ML1308330&agcode=GTX000007&app=cnenq&tccompcode=A1&sess=456QilBBtKXE%2BRcAKIQuGmvuLJE%3D) |
| vehicleCoverTypeID | Coverage type                                                                                                                                                                                                             | COMP                                                                                                                                                                                                                                                                                                              |
| coverNoteNo        | Cover note number provided by insurance provider                                                                                                                                                                          | ML1308330                                                                                                                                                                                                                                                                                                         |
| status             | Indicates current policy status:   - PENDING: Initial status    - PENDING_REFERCASE: Requires provider’s approval    - APPROVED: Policy successfully issued    - REJECTED: Refer case declined by the insurance provider. | APPROVED                                                                                                                                                                                                                                                                                                          |
| effectiveDate      | Policy effective date and time (24-hour format)                                                                                                                                                                           | 2025-11-10T16:00:00.000Z                                                                                                                                                                                                                                                                                          |
| expiryDate         | Policy issued date and time (24-hour format)                                                                                                                                                                              | 2026-11-09T10:18:27.889Z                                                                                                                                                                                                                                                                                          |
| issuedDate         | Policy issued date and time (24-hour format)                                                                                                                                                                              | 2025-11-09T10:18:27.889Z                                                                                                                                                                                                                                                                                          |
| jpjStatus          | JPJ status from insurance provider:   - C: Captured    - R: Rejected    - N: Not Sent    - S: Sending (pending JPJ acknowledgement)                                                                                       | C                                                                                                                                                                                                                                                                                                                 |
| referCase          | Referred case details provided by the insurance provider.  <br />Will be null if not a refer case                                                                                                                         | null                                                                                                                                                                                                                                                                                                              |
| response           | Contains provider response metadata.  <br />status will be false if there is an error on the provider’s API.                                                                                                              | Example:<br />```json{"status":true,"type":"issueCovernote"} ``` |
| providerResponse   | Provider response object (contains provider-specific data and messages)                                                                                                                                                   | **<u>Provider Response</u>**                                                                                                                                                                                                                                                                                      |

## Provider Coverage and Support

This table shows the coverage types supported by each insurance provider for Car and Motorcycle insurance.

<table style="min-width: 125px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="2" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 238px;"><p><strong>Car</strong>&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 238px;"><p><strong>Motorcycle</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Comprehensive (COMP)</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Third-Party Fire and Theft (TPFT)</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Comprehensive (COMP)</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Third-Party (TP)</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p><p>Comprehensive Plus&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>x&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>✓&nbsp;</p></td></tr></tbody>
</table>

⚠️ **Note: **“Comprehensive” cover type for Takaful Ikhlas is named “Comprehensive Plus.”

### Company Cars

The following insurance providers support company car coverage:

| **Insurance Provider** | **Is Supported** |
| :--------------------- | :--------------- |
| AIA                    | x                |
| AIG                    | x                |
| Allianz                | x                |
| Chubb                  | x                |
| Etiqa                  | x                |
| MSIG                   | x                |
| Pacific Insurance      | x                |
| Takaful Ikhlas         | ✓                |
| Takaful Malaysia       | ✓                |
| Tokio Marine           | x                |
| Zurich Takaful         | x                |

## Unique Selling Points (USPs) 

This document highlights the key benefits and differentiators (Unique Selling Points) offered by various motor insurance and takaful providers.\
It is divided into two main sections — **Car** and **Motorcycle **— to help users easily compare coverage features, assistance services, and exclusive benefits offered by each provider. 

### Car

This section outlines the main benefits for **Comprehensive (COMP) and Third Party, Fire & Theft (TPFT)** cover types offered by each insurance or takaful provider. It includes coverage details, complimentary services, roadside assistance, and any unique rewards or value-added features.

<table style="min-width: 75px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="2" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 448px;"><p><strong>Cover Type</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p><strong>COMP</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p><strong>TPFT</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>24-hour emergency road assistance&nbsp;</p></li></ul><ul><li><p>Total repair cost borne by AIA at all workshops&nbsp;</p></li></ul><ul><li><p>Affordable flood coverage&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Award-winning claims services on fastest turnaround time&nbsp;</p></li></ul><ul><li><p>1 year warranty on repairs done at our panel workshop&nbsp;</p></li></ul><ul><li><p>Smart Auto Assist Services for 24/7 emergency roadside assistance&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Free Allianz Road Rangers, a nationwide motor accident assistance service&nbsp;</p></li></ul><ul><li><p>Fast and seamless claims journey, including Windscreen Replacement On-The-Go service&nbsp;</p></li></ul><ul><li><p>Rahmah Package benefits at no extra cost&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Unlimited towing &amp; roadside assistance&nbsp;</p></li></ul><ul><li><p>Temporary replacement car and hotel due to accident&nbsp;</p></li></ul><ul><li><p>The Fastest Estimating Claims Approval Time for Own Damage Claims 2022 Award from Motordata Research Consortium (MRC)&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>24-hour Emergency Road Assistance&nbsp;</p></li></ul><ul><li><p>No more claims excess when you make a claim. For drivers above 25 years old only&nbsp;</p></li></ul><ul><li><p>Get covered for loss, theft or damage to your car, and more, with optional add-ons for total peace of mind&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Protect against damages due to accident, fire, theft&nbsp;&nbsp;</p></li></ul><ul><li><p>Complimentary PA covers participant and transportation fee reimbursement&nbsp;&nbsp;</p></li></ul><ul><li><p>Complimentary 24-Hours Bantuan IKHLAS Road Assist service&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Cover Third party bodily injury and death&nbsp;</p></li></ul><ul><li><p>Cover Third party property loss or damage&nbsp;</p></li></ul><ul><li><p>Protect against loss / damage to your vehicle due to accidental fire / theft&nbsp;</p></li></ul></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Get back on the road with minimal inconvenience with our 24/7 Tele Bantuan Program&nbsp;</p></li></ul><ul><li><p>Enjoy a 6-month warranty for workmanship repairs by our panel repairers.&nbsp;</p></li></ul><ul><li><p>Get rewarded with our cash back for no claims during your coverage period&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Cover legal liability for death or bodily injury to third parties (excluding passengers)&nbsp;</p></li></ul><ul><li><p>Cover legal liability for loss or damage to third party property&nbsp;</p></li></ul><ul><li><p>Cover accidental fire damage and theft of your vehicle&nbsp;</p></li></ul></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>24-hour roadside assistance&nbsp;</p></li></ul><ul><li><p>FREE one additional driver&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Third party bodily injury and death, limit is unlimited&nbsp;</p></li></ul><ul><li><p>Third party property loss or damage, limit is up to RM3 million&nbsp;</p></li></ul><ul><li><p>Loss or damage to your own vehicle due to fire, explosion, lightning, burglary, housebreaking or theft&nbsp;</p></li></ul></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>24-hour towing and emergency roadside repair services&nbsp;</p></li></ul><ul><li><p>150KM free towing&nbsp;</p></li></ul><ul><li><p>Option for agreed value coverage&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Third-party bodily injury and death&nbsp;</p></li></ul><ul><li><p>Third-party property loss or damage&nbsp;</p></li></ul></td></tr></tbody>
</table>

### Motorcycle

This section lists the exclusive features, add-ons, and benefits for motorcycle insurance and takaful providers.  It covers accident protection, special perils, towing services, and Rahmah Initiative benefits for smaller-capacity motorcycles. 

<table style="min-width: 75px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="2" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 448px;"><p><strong>Cover Type</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p><strong>COMP</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p><strong>TP</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Free death/permanent disablement cover*&nbsp;</p></li></ul><ul><li><p>Free inclusion of special perils*&nbsp;</p></li></ul><ul><li><p>Free daily hospital income*&nbsp;</p></li></ul><ul><li><p>Rahmah Initiative – Flood relief benefit&nbsp;</p></li></ul><p>&nbsp;</p><p>Note: For motorcycles below 250cc&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Free death/permanent disablement cover*&nbsp;</p></li></ul><ul><li><p>Free daily hospital income*&nbsp;</p></li></ul><ul><li><p>Rahmah Initiative – Flood relief benefit&nbsp;</p></li></ul><p>&nbsp;</p><p>Note: For motorcycles below 250cc&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>EN&nbsp;</p><ul><li><p>24/7 unlimited towing service&nbsp;</p></li></ul><ul><li><p>Legal liability to pillion&nbsp;</p></li></ul><ul><li><p>Inclusion of special perils&nbsp;</p></li></ul><ul><li><p>Motorcycle personal accident&nbsp;</p></li></ul><p>BM&nbsp;</p><ul><li><p>24/7 perkhidmatan tunda tanpa had&nbsp;</p></li></ul><ul><li><p>Tanggungan undang-undang kepada pembonceng&nbsp;</p></li></ul><ul><li><p>Termasuk peril khas&nbsp;</p></li></ul><ul><li><p>Kemalangan peribadi motosikal&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>EN&nbsp;</p><ul><li><p>24/7 unlimited towing service&nbsp;</p></li></ul><ul><li><p>Legal liability to pillion&nbsp;</p></li></ul><ul><li><p>Motorcycle personal accident&nbsp;</p></li></ul><p>BM&nbsp;</p><ul><li><p>24/7 perkhidmatan tunda tanpa had&nbsp;</p></li></ul><ul><li><p>Tanggungan undang-undang kepada pembonceng&nbsp;</p></li></ul><ul><li><p>Kemalangan peribadi motosikal&nbsp;</p></li></ul></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Coverage for accidents, fire and theft&nbsp;</p></li></ul><ul><li><p>Third party loss of damage&nbsp;</p></li></ul><ul><li><p>Third party bodily injury&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>All rider free&nbsp;</p></li></ul><ul><li><p>Cash back for no claims&nbsp;</p></li></ul></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>All rider free&nbsp;</p></li></ul><ul><li><p>Free towing 30KM&nbsp;</p></li></ul><ul><li><p>Cash back for no claims&nbsp;</p></li></ul><ul><li><p>Nationwide network of panel workshop&nbsp;</p></li></ul><ul><li><p>24/7 roadside assistance program&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>All rider free&nbsp;</p></li></ul><ul><li><p>Cash back for no claims&nbsp;</p></li></ul><ul><li><p>Nationwide network of panel workshop&nbsp;</p></li></ul><ul><li><p>24/7 roadside assistance program&nbsp;</p></li></ul></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><p>N/A&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 147px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Breakdown/Towing included&nbsp;</p></li></ul><ul><li><p>Extended to personal accident to participant up to RM5,000&nbsp;</p></li></ul><ul><li><p>Extended to cover limited special perils allowance up to RM1,000&nbsp;</p></li></ul></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 224px;"><ul><li><p>Third-party bodily injury and death&nbsp;</p></li></ul><ul><li><p>Third-party property loss or damage&nbsp;</p></li></ul><ul><li><p>Extended to all riders&nbsp;</p></li></ul></td></tr></tbody>
</table>

## Provider Logo, PDS and Policy Wording Links

This section provides quick access to each insurance provider’s official logo, Product Disclosure Sheet (PDS) and Policy Wording. All links open to the provider’s verified official documents for easy reference.

### Car

| **Insurance Provider** | **Logo**                                                                                                                                          | **PDS**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | **Policy Wording**                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| :--------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| AIA                    | [<u>AIA Logo</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Fassets%2Finsurance_Provider%2Faia_trim_logo.svg)                           | [<u>AIA PDS</u>](https://www.aia.com.my/content/dam/my/en/docs/AIA-General-Berhad/AGB-Private-Car-PDS.pdf)                                                                                                                                                                                                                                                                                                                                                                                      | [<u>AIA Policy Wording</u>](https://www.aia.com.my/content/dam/my/en/docs/AIA-General-Berhad/AGB-Private-Car-PDS.pdf)                                                                                                                                                                                                                                                                                                                                                        |
| AIG                    |                                                                                                                                                   | [<u>AIG PDS</u>](https://www.aig.my/content/dam/aig/apac/malaysia/documents/brochures/auto-pds.pdf)                                                                                                                                                                                                                                                                                                                                                                                             | [<u>AIG Policy Wording</u>](https://www.aig.my/content/dam/aig/apac/malaysia/documents/brochures/private-car-insurance-policy-wording-brochure.pdf)                                                                                                                                                                                                                                                                                                                          |
| Chubb                  | [<u>Chubb Logo</u>](https://news.chubb.com/logos#gallery_gallery_0:19153)                                                                         | [<u>Chubb PDS</u>](https://www.chubb.com/content/dam/chubb-sites/chubb-com/my-en/personal/my-car-insurance/documents/pdf/my-car-insurance_eng_v6.pdf)                                                                                                                                                                                                                                                                                                                                           | [<u>Chubb Policy Wording</u>](https://www.chubb.com/my-en/online-privacy.html)                                                                                                                                                                                                                                                                                                                                                                                               |
| Etiqa                  | [<u>Etiqa Logo</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Fassets%2Finsurance_Provider%2Fetiqa_trim_logo.svg)                       | [<u>Etiqa PDS</u>](https://etiqamotortakaful.senang.io/pds.pdf)                                                                                                                                                                                                                                                                                                                                                                                                                                 | [<u>Etiqa Policy Wording</u>](https://senang1.sgp1.digitaloceanspaces.com/public/insurance-Provider/etiqa/CertificateWordingPrivateCarTakaful.pdf)                                                                                                                                                                                                                                                                                                                           |
| Allianz                |                                                                                                                                                   | [<u>Allianz PDS EN</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/car-and-motor-comprehensive-cover/PDS_MotorInsurance_CMCC_Eng_2403.pdf)      [<u>Allianz PDS BM</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/car-and-motor-comprehensive-cover/PDS_MotorInsurance_CMCC_BM_2403.pdf)                                       | [<u>Allianz Policy Wording EN</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/car-and-motor-comprehensive-cover/PrivateCarPolicyWording_Eng_2403.pdf)   [<u>Allianz Policy Wording BM</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/car-and-motor-comprehensive-cover/PrivateCarPolicyWording_BM_2403.pdf) |
| MSIG                   | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| Pacific Insurance      | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| Takaful Ikhlas         | [<u>Takaful Ikhlas Logo</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Fassets%2Finsurance_Provider%2Ftakaful_ikhlas_trim_logo.svg)     | [<u>Takaful Ikhlas PDS</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Finsurance-Provider%2Ftakaful_ikhlas%2FTakafuk%20Ikhlas%20-%20PDS.pdf)                                                                                                                                                                                                                                                                                                                                          | [<u>Takaful Ikhlas Policy Wording</u>](https://www.takaful-ikhlas.com.my/api/uploads/7_IKHLAS_Private_Car_Comprehensive_Plus_Cert_ENG_0425_v8_0_website_03765cc60d.pdf)                                                                                                                                                                                                                                                                                                      |
| Takaful Malaysia       | [<u>Takaful Malaysia Logo</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Fassets%2Finsurance_Provider%2Ftakaful_malaysia_trim_logo.svg) | [<u>Takaful Malaysia PDS</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Finsurance-Provider%2Ftakaful_malaysia%2FTakaful%20Malaysia%20-%20PDS.pdf)                                                                                                                                                                                                                                                                                                                                    | [<u>Takaful Malaysia Policy Wording</u>](https://www.takaful-malaysia.com.my/products/general/Documents/myMotor/Privatecar_fullcertificate.pdf)                                                                                                                                                                                                                                                                                                                              |
| Tokio Marine           |                                                                                                                                                   | [<u>Tokio Marine PDS</u>](https://www.tokiomarine.com/content/dam/tokiomarine/my/non-life/products/personal/motor/motor-insurance/documents/Private%20Car%20Plus%20Disclosure%20Sheet-EN.pdf)                                                                                                                                                                                                                                                                                                   | [<u>Tokio Marine Policy Wording</u>](https://www.tokiomarine.com/content/dam/tokiomarine/my/non-life/resources/policy-wording/motor/DVG10623_E.pdf)                                                                                                                                                                                                                                                                                                                          |
| Zurich Takaful         | [<u>Zurich Takaful Logo</u>](https://drive.google.com/file/d/1P05cGXfKWIqZAr2Ibcd_PBFUbLJ8f7S-/view?usp=drive_link)                               | [<u>Zurich Takaful PDS EN</u>](https://www.zurich.com.my/-/media/project/zwp/malaysia/docs/insurance-products/product-disclosure-sheets/zgimb-z-driver-pds_eng.pdf?rev=a1a893ce30a047f5b97c46fed79bda8c&hash=47C8D83E1C87F7782A0CE574D10D0277)    [<u>Zurich Takaful PDS BM</u>](https://www.zurich.com.my/-/media/project/zwp/malaysia/docs/insurance-products/product-disclosure-sheets/zgimb-z-driver-pds_bm.pdf?rev=6928626b89b1429797f3fb6960badb28&hash=274773B9CD5FCCE1FBCD5DEB00B23F2D) |                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |

### Motorcycle

| **Insurance Provider** | **Logo**                                                                                                                                          | **PDS**                                                                                                                                                                                                                                                                                                                                                                                                                | **Policy Wording**                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| :--------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------ | :--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| AIA                    | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                    | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| AIG                    | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                    | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| Allianz                |                                                                                                                                                   | [<u>Allianz PDS EN</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/allianz-motorcycle-plus/MotorcyclePlusENG_PDS_2409.pdf)   [<u>Allianz PDS BM</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/allianz-motorcycle-plus/MotorcyclePlusBM_PDS_2409.pdf) | [<u>Allianz Policy Wording EN</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/car-and-motor-comprehensive-cover/MotorcyclePlus_PW_EN.pdf)   [<u>Allianz Policy Wording BM</u>](https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/home-motor-and-travel/car-and-motorcycle/car-and-motor-comprehensive-cover/MotorcyclePlus_PW_BM.pdf) |
| Chubb                  | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                    | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| Etiqa                  | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                    | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| MSIG                   |                                                                                                                                                   | [<u>MSIG PDS</u>](https://www.msig.com.my/media/ncehhzck/msig-motor-plus-insurance-f-ad-b72-v6.pdf)                                                                                                                                                                                                                                                                                                                    | [<u>MSIG Policy Wording EN</u>](https://www.msig.com.my/media/dtbo4cg5/mmp_policywording_en.pdf)   [<u>MSIG Policy Wording BM</u>](https://www.msig.com.my/media/iqenmrgg/mmp_policywording_bm.pdf)                                                                                                                                                                                                                                                   |
| Pacific Insurance      |                                                                                                                                                   | [<u>Pacific Insurance PDS EN</u>](https://www.pacificinsurance.com.my/wp-content/uploads/2024/10/Motorcycle_PDS-Eng_CVC_V6.4_24-OCT-2024.pdf)   [<u>Pacific Insurance PDS BM</u>](https://www.pacificinsurance.com.my/wp-content/uploads/2024/10/Motorcycle_PDS-BM_CVC_V6.4_24-OCT-2024.pdf)                                                                                                                           | [<u>Pacific Insurance Policy Wording</u>](https://www.pacificinsurance.com.my/wp-content/uploads/2025/04/PolicyJacket_CVC_20250424.pdf)                                                                                                                                                                                                                                                                                                               |
| Takaful Ikhlas         | [<u>Takaful Ikhlas Logo</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Fassets%2Finsurance_Provider%2Ftakaful_ikhlas_trim_logo.svg)     | [<u>Takaful Ikhlas PDS EN</u>](https://www.takaful-ikhlas.com.my/api/uploads/4_IKHLAS_Motorcycle_Takaful_PDS_ENG_0524_v8_0_website_839639030f.pdf)   [<u>Takaful Ikhlas PDS BM</u>](https://www.takaful-ikhlas.com.my/api/uploads/4_IKHLAS_Motorcycle_Takaful_PDS_BM_0524_8_0_website_864b6ccf8a.pdf)                                                                                                                  | [<u>Takaful Ikhlas Policy Wording EN</u>](https://www.takaful-ikhlas.com.my/api/uploads/4_IKHLAS_Motorcycle_Certificate_ENG_0425_v9_0_website_7f77ad418c.pdf)   [<u>Takaful Ikhlas Policy Wording BM</u>](https://www.takaful-ikhlas.com.my/api/uploads/4_IKHLAS_Motorcycle_Certificate_BM_0425_v9_0_website_8a9aed7a8c.pdf)                                                                                                                          |
| Takaful Malaysia       | [<u>Takaful Malaysia Logo</u>](https://senang1.sgp1.digitaloceanspaces.com/public%2Fassets%2Finsurance_Provider%2Ftakaful_malaysia_trim_logo.svg) | [<u>Takaful Malaysia PDS EN</u>](https://www.takaful-malaysia.com.my/wp-content/uploads/2023/09/STMAB-PDSE-Takaful-myMotor-Motorcycle-V02-04-2024.pdf)   [<u>Takaful Malaysia PDS BM</u>](https://www.takaful-malaysia.com.my/wp-content/uploads/2023/09/STMAB-PDSBM-Takaful-myMotor-Motosikal-V02-04-2024.pdf)                                                                                                        | [<u>Takaful Malaysia Policy Wording EN</u>](https://www.takaful-malaysia.com.my/wp-content/uploads/2023/09/STMAB-Certificate-Wording-Takaful-myMotor-Motorcycle-V1.0E-04-2024.pdf)    [<u>Takaful Malaysia Policy Wording BM</u>](https://www.takaful-malaysia.com.my/wp-content/uploads/2023/09/STMAB-Certificate-Wording-Takaful-myMotor-Motorcycle-V1.0E-04-2024.pdf)                                                                              |
| Tokio Marine           | N/A                                                                                                                                               | N/A                                                                                                                                                                                                                                                                                                                                                                                                                    | N/A                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| Zurich Takaful         | [<u>Zurich Takaful Logo</u>](https://drive.google.com/file/d/1P05cGXfKWIqZAr2Ibcd_PBFUbLJ8f7S-/view?usp=drive_link)                               | [<u>Zurich Takaful PDS</u>](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/malaysia/docs/takaful-products/product-disclosure-sheets/zgtmb_z-rider_pds_eng.pdf)                                                                                                                                                                                                        | [<u>Zurich Takaful Policy Wording</u>](https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/malaysia/docs/takaful-products/certificate-wordings/zgtmb-z-rider-cw-eng.pdf)                                                                                                                                                                                                                                  |

## Provider Add-Ons and Coverage Codes 

This document provides a complete list of available **add-ons (optional coverages)** offered by different insurance providers.

Each add-on includes its code, title, and availability by provider for **car (COMP/TPFT) and motorcycle (COMP/TP)** policies.

Some add-ons include multiple plan tiers, which can be retrieved from the API response. 

### Add-On Codes and Description

| **Code**             | **Title**            | **Description**                                                                           |
| :------------------- | :------------------- | :---------------------------------------------------------------------------------------- |
| bbwindshield         | windshield           | Breakage of Glass in Windscreen                                                           |
| iosp                 | iosp                 | Inclusion of Special Perils/Flood                                                         |
| additionalDrivers    | additional_drivers   | Additional Driver                                                                         |
| pche                 | pche                 | Private Car Hire Endorsement                                                              |
| srcc                 | srcc                 | Strike, Riot and Civil Commision                                                          |
| llop                 | llop                 | Legal Liability of Passengers                                                             |
| lltp                 | lltp                 | Legal Liability to Passengers                                                             |
| sprc                 | sprc                 | New Spare Part Replacement Cover                                                          |
| twcd                 | twcd                 | Towing and Cleaning due to Water Damage                                                   |
| paPlus               | pa_plus              | Personal Accident Coverage / Motor PA Plus                                                |
| cart                 | cart                 | Compensation When Your Vehicle is Under Repair Cart (CART)                                |
| tfr                  | tfr                  | Transportation Fee Reimbursement (non-tariff)                                             |
| wceud                | wceud                | Waiver Of Compulsory Excess for Unnamed Driver - Private Car for Private Use (non-tariff) |
| cpac                 | cpac                 | Complementary Personal Accident Cover for Participant                                     |
| ncdRelief            | ncd_relief           | Current Year "NCD" Relief (Only Applicable to Comprehensive Private Car Policy)           |
| bantuanIkhlasSupreme | bantuanIkhlasSupreme | Bantuan Ikhlas Supreme                                                                    |
| eck                  | eck                  | Extension of Cover to Kalimantan                                                          |
| eckt                 | eckt                 | Extension of Cover to the Kingdom of Thailand                                             |
| mcpa1                | mcpa1                | Death/Permanent Disablement for Insured/ Authorised Rider and Pillion Rider               |
| mcpa2                | mcpa2                | Hospital Income - Insured/ Authorised Rider and Pillion Rider                             |
| betc                 | betc                 | Breakdown/Emergency Towing Cost (Non-Tariff) - in KM                                      |
| helm_replc           | helm_replc           | Helmet Replacement                                                                        |
| ilatc                | ilatc                | Increase Limit for Accident Towing Cost (Non-Tariff)                                      |
| lspa                 | lspa                 | Limited Special Perils Allowance (Non-Tariff)                                             |
| pabp                 | pabp                 | Personal Accident Basic - Participant (Non-Tariff)                                        |
| lttpd                | lttpd                | Legal Liability for TPPD                                                                  |

**Car COMP**

| **Add Ons**          | **AIA** | **AIG**         | **Allianz** | **Chubb**       | **Etiqa** | **TI**          | **STM**         | **Tokio**       | **ZT**          |
| :------------------- | :------ | :-------------- | :---------- | :-------------- | :-------- | :-------------- | :-------------- | :-------------- | :-------------- |
| bbwindshield         | ✓       | ✓               | ✓           | ✓               | ✓         | ✓               | ✓               | ✓               | ✓               |
| iosp                 | ✓       | ✓               | ✓           | ✓               | ✓         | ✓               | ✓               | ✓               | ✓               |
| additionalDrivers    | ✓       | ✓               | ✓           | ✓               | x         | ✓               | x               | x               | x               |
| pche                 | x       | x               | ✓           | x               | x         | x               | x               | x               | ✓               |
| srcc                 | x       | x               | ✓           | x               | x         | x               | x               | x               | ✓               |
| llop                 | ✓       | ✓               | ✓           | ✓               | ✓         | ✓               | ✓               | ✓               | ✓               |
| lltp                 | ✓       | ✓               | ✓           | ✓               | ✓         | ✓               | ✓               | ✓               | ✓               |
| sprc                 | x       | x               | x           | x               | ✓         | x               | x               | x               | x               |
| twcd                 | x       | x               | x           | x               | x         | x               | ✓               | ✓   Unlimited   | ✓               |
| paPlus               | x       | x               | x           | x               | ✓         | ✓               | ✓               | x               | ✓               |
| cart                 | x       | x               | ✓           | x               | ✓         | ✓               | x               | x               | ✓               |
| tfr                  | x       | x               | x           | x               | x         | ✓               | x               | x               | x               |
| wceud                | x       | ✓   All Drivers | x           | ✓   All Drivers | x         | ✓   All Drivers | ✓   All Drivers | ✓   All Drivers | ✓   All Drivers |
| cpac                 | x       | x               | x           | x               | x         | ✓               | x               | x               | x               |
| ncdRelief            | x       | x               | x           | x               | x         | x               | x               | ✓               | x               |
| bantuanIkhlasSupreme | x       | x               | x           | x               | x         | ✓               | x               | x               | x               |
| eck                  | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| eckt                 | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| mcpa1                | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| mcpa2                | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| betc                 | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| helm_replc           | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| ilatc                | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| lspa                 | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| pabp                 | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| lttpd                | x       | x               | x           | x               | x         | x               | x               | x               | x               |
| dlsm                 | x       | x               | x           | x               | ✓         | x               | x               | x               | x               |

**Car (TPFT)**

| **Add Ons**          | **Takaful Ikhlas** | **Takaful Malaysia** | **Tokio Marine** | **Zurich Takaful** |
| :------------------- | :----------------- | :------------------- | :--------------- | :----------------- |
| bbwindshield         | x                  | x                    | x                | x                  |
| iosp                 | x                  | x                    | x                | x                  |
| additionalDrivers    | ✓                  | x                    | x                | x                  |
| pche                 | x                  | x                    | x                | x                  |
| srcc                 | x                  | x                    | x                | ✓                  |
| llop                 | ✓                  | ✓                    | ✓                | ✓                  |
| lltp                 | ✓                  | ✓                    | ✓                | ✓                  |
| sprc                 | x                  | x                    | x                | x                  |
| twcd                 | x                  | ✓                    | x                | ✓                  |
| paPlus               | x                  | ✓                    | x                | ✓                  |
| cart                 | x                  | x                    | x                | x                  |
| tfr                  | x                  | x                    | x                | x                  |
| wceud                | ✓   All Drivers    | ✓   All Drivers      | ✓   All Drivers  | ✓   All Drivers    |
| cpac                 | x                  | x                    | x                | x                  |
| ncdRelief            | x                  | x                    | x                | x                  |
| bantuanIkhlasSupreme | ✓                  | x                    | x                | x                  |
| eck                  | x                  | x                    | x                | x                  |
| eckt                 | x                  | x                    | x                | x                  |
| mcpa1                | x                  | x                    | x                | x                  |
| mcpa2                | x                  | x                    | x                | x                  |
| betc                 | x                  | x                    | x                | x                  |
| helm_replc           | x                  | x                    | x                | x                  |
| ilatc                | x                  | x                    | x                | x                  |
| lspa                 | x                  | x                    | x                | x                  |
| pabp                 | x                  | x                    | x                | x                  |
| lttpd                | x                  | x                    | x                | x                  |

**Motorcycle (COMP)**

| **Add Ons**          | **Allianz** | **MSIG** | **Pacific**   | **TI**         | **STM** | **ZT**         |
| :------------------- | :---------- | :------- | :------------ | :------------- | :------ | :------------- |
| bbwindshield         | x           | x        | x             | x              | x       | x              |
| iosp                 | ✓           | ✓        | ✓             | ✓              | ✓       | ✓              |
| additionalDrivers    | x           | x        | x             | x              | x       | x              |
| pche                 | x           | x        | x             | x              | x       | x              |
| srcc                 | ✓           | ✓        | ✓             | ✓              | ✓       | ✓              |
| llop                 | x           | ✓        | x             | x              | x       | x              |
| lltp                 | ✓           | ✓        | ✓             | ✓              | ✓       | ✓              |
| sprc                 | x           | x        | x             | x              | x       | x              |
| twcd                 | x           | x        | ✓   Unlimited | x              | x       | x              |
| paPlus               | x           | x        | ✓             | x              | ✓       | ✓              |
| cart                 | x           | x        | x             | x              | x       | x              |
| tfr                  | x           | x        | x             | x              | x       | x              |
| wceud                | x           | ✓        | x             | ✓   All Riders | x       | ✓   All Riders |
| cpac                 | x           | x        | x             | x              | x       | x              |
| ncdRelief            | x           | x        | x             | x              | x       | x              |
| bantuanIkhlasSupreme | x           | x        | x             | x              | x       | x              |
| eck                  | ✓           | x        | x             | x              | x       | x              |
| eckt                 | ✓           | x        | ✓             | x              | x       | x              |
| mcpa1                | ✓           | x        | x             | x              | x       | x              |
| mcpa2                | ✓           | x        | x             | x              | x       | x              |
| betc                 | x           | x        | x             | x              | x       | ✓              |
| helm_replc           | x           | x        | x             | x              | x       | ✓              |
| ilatc                | x           | x        | x             | x              | x       | ✓              |
| lspa                 | x           | x        | x             | x              | x       | ✓              |
| pabp                 | x           | x        | x             | x              | x       | ✓              |
| lttpd                | x           | ✓        | x             | x              | x       | x              |

**Motorcycle (TP)**

| **Add Ons**          | **Allianz** | **MSIG** | **Pacific**   | **TI** | **STM** | **ZT**          |
| :------------------- | :---------- | :------- | :------------ | :----- | :------ | :-------------- |
| bbwindshield         | x           | x        | x             | x      | x       | x               |
| iosp                 | x           | x        | x             | x      | x       | x               |
| additionalDrivers    | x           | x        | x             | x      | x       | x               |
| pche                 | x           | x        | x             | x      | x       | x               |
| srcc                 | x           | ✓        | x             | x      | ✓       | x               |
| llop                 | x           | ✓        | x             | x      | x       | x               |
| lltp                 | ✓           | ✓        | ✓             | ✓      | ✓       | ✓               |
| sprc                 | x           | x        | x             | x      | x       | x               |
| twcd                 | x           | x        | ✓   Unlimited | x      | x       | x               |
| paPlus               | x           | x        | ✓             | x      | ✓       | x               |
| cart                 | x           | x        | x             | x      | x       | x               |
| tfr                  | x           | x        | x             | x      | x       | x               |
| wceud                | x           | ✓        | x             | x      | x       | ✓    All Riders |
| cpac                 | x           | x        | x             | x      | x       | x               |
| ncdRelief            | x           | x        | x             | x      | x       | x               |
| bantuanIkhlasSupreme | x           | x        | x             | x      | x       | x               |
| eck                  | ✓           | x        | x             | x      | x       | x               |
| eckt                 | ✓           | x        | x             | x      | x       | x               |
| mcpa1                | ✓           | x        | x             | x      | x       | x               |
| mcpa1                | ✓           | x        | x             | x      | x       | x               |
| betc                 | x           | x        | x             | x      | x       | x               |
| helm_replc           | x           | x        | x             | x      | x       | x               |
| ilatc                | x           | x        | x             | x      | x       | x               |
| lspa                 | x           | x        | x             | x      | x       | x               |
| pabp                 | x           | x        | x             | x      | x       | x               |
| lttpd                | x           | ✓        | x             | x      | x       | x               |

⚠️ **Notes and Special Conditions:** 

- twcd, paPlus, and cart have multiple plan levels, with details provided in API response. 


- **Takaful Ikhlas: **tfr, wceud, and cpac are free add-ons for comprehensive cover. 


- **AIA:** Allows up to **5 drivers total** (policy owner + 4 additional drivers). 


- **Etiqa:** Both **LLTP **and **LLOP **can be selected together. 


- **Tokio Marine:** 


- ncd_relief only available for vehicles with **\>0% NCD **and **COMP **cover type. 


- additionalDrivers is **not applicable.** 


- **AIG:** Additional drivers limited to **NRIC holders** (max **6 drivers,** including policyholder). 

🔗 [**<u>Add-on USP content for Insurance Provider</u>**](https://senangio.sharepoint.com/:x:/s/Productsenang/EZi06VvUsRpJipyHreCp3aYBNaSD8fwDcx64hwvjwnH2Mw?e=dq0O07) 

###  Additional Add-Ons Information 

This section provides detailed information about selected add-ons _(such as Windscreen, PA Plus, Towing, CART, and Additional Drivers) _retrieved from **Senang’s API.**

The tables show **coverage ranges, plans, and applicable validation rules **for each insurance provider. 

**Windscreen Range**

| **Insurance Provider** | **Description**                                                                                                                                      |
| :--------------------- | :--------------------------------------------------------------------------------------------------------------------------------------------------- |
| **AIA**                | Min RM200 – Max RM5,000                                                                                                                              |
| **AIG**                | Min RM300 – Max RM500                                                                                                                                |
| **Allianz**            | Min RM500 – Max RM20,000                                                                                                                             |
| **Chubb**              | Min RM200 – Max RM4,500                                                                                                                              |
| **Etiqa**              | Min RM400 – Max RM10,000                                                                                                                             |
| MSIG                   | N/A                                                                                                                                                  |
| Pacific Insurance      | N/A                                                                                                                                                  |
| **Takaful Ikhlas**     | Vehicle age below 5 years: **Max RM4,000 ** <br />Vehicle age above 5 years: **Max RM2,000**                                                         |
| **Takaful Malaysia**   | Based on STM’s API response. <br />**Min:** oem_ws_sum_covered  <br />**Max**: franchise_ws_sum_covered  <br />Minimum cannot be less than **RM500** |
| **Tokio Marine**       | Min RM200 – Max RM10,000                                                                                                                             |
| **Zurich Takaful**     | Min RM0 – Max RM10,000                                                                                                                               |

 ⚠️ **Note:** If the recommended value exceeds the provider’s maximum limit, it will be adjusted to match the new maximum value. 

**PA Plus **

<table style="min-width: 75px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Plans</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Sum Covered (RM)</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="4" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 1&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>5,500&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 2&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>11,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 3&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>16,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 4&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>21,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="5" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>10,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan B&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>20,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan C&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>30,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan D&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>40,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan E&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>50,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="4" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 1&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>25,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 2&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>40,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 3&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>60,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 4&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>85,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="5" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 1&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>35,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 2&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>70,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 3&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>35,001&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 4&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>70,001&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 5&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>35,002&nbsp;</p></td></tr></tbody>
</table>

**Towing (TWCD) **

<table style="min-width: 75px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Plans</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Sum Covered (RM)</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="3" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 1&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>25,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 2&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>40,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 3&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>60,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="4" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 1&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>35,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 2&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>70,000&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 3&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>35,001&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Plan 5&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>35,002&nbsp;</p></td></tr></tbody>
</table>

**CART **

<table style="min-width: 100px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p><strong>No. of Days</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p><strong>Sum Covered per Day</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 232, 248); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p><strong>Example Calculation</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="9" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 50/day = RM 35&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 100/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 200/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 50/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 100/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 200/day = RM 280&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 50/day = RM 105&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 100/day = RM 210&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 200/day = RM 420&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="9" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 50/day = RM 35&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 100/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 200/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 50/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 100/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 200/day = RM 280&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 50/day = RM 105&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 100/day = RM 210&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 200/day = RM 430&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="9" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 50/day = RM 35&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 100/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 200/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 50/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 100/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 200/day = RM 280&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 50/day = RM 105&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 100/day = RM 210&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 200/day = RM 430&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="9" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 50/day = RM 35&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 100/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>7 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>7 days x RM 200/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 50/day = RM 70&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 100/day = RM 140&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>14 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>14 days x RM 200/day = RM 280&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 50&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 50/day = RM 105&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 100&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 100/day = RM 210&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>21 days&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 126px;"><p>RM 200&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 216px;"><p>21 days x RM 200/day = RM 430&nbsp;</p></td></tr></tbody>
</table>

**Additional Driver Validation **

| **Parameter** | **Validation Rule**                                                                                     | **Sample Data** |
| :------------ | :------------------------------------------------------------------------------------------------------ | :-------------- |
| fullName      | Alphabet characters allowed with selected special characters: @/(). <br />Max length: **50 characters** | Alice@ Kaur     |
| nric          | Format: YYMMDD-XX-XXXX                                                                                  | 780511-14-6458  |
| passport      | Alphanumeric only    (Either NRIC or passport is required)                                              | N1234567        |
| dob           | Format: DD/MM/YYYY                                                                                      | 11/05/1978      |
| nationality   | [Optional]                                                                                              | Malaysian       |
| age           | Min: 18, Max:79                                                                                         | 50              |
| drvexp        | Numeric                                                                                                 | 10              |
| gender        | Male / Female                                                                                           | Female          |
| maritalStatus | - S: Single    - M: Married     - D: Divorced     - W: Widow                                            | Married         |
| relationship  | RelationshipTo be chosen from list (provided in attachment)                                             | Son             |
| occupation    | Driver Occupation   To be chosen from list (provided in attachment)                                     | Teacher         |

**AIG Additional / Named Drivers **

This add-on is applicable for **AIG **only. 

| **Parameter** | **Validation Rule**                                                 | **Sample Data** |
| :------------ | :------------------------------------------------------------------ | :-------------- |
| name          | Alphabets with special characters /@()’.-                           | Alice@ Kaur     |
| icnumber      | 12-digit NRIC (no dash)                                             | 780511146458    |
| drvdob        | Auto-populated from NRIC                                            | 1978-05-11      |
| drvage        | Numeric                                                             | 50              |
| drvexp        | Numeric                                                             | 50              |
| drvgender     | Male / Female                                                       | Female          |
| drvmarital    | Single / Married / Divorced / Others                                | Married         |
|               | Relationship   To be chosen from list (provided in attachment)      | Son             |
| drvoccup      | Driver Occupation   To be chosen from list (provided in attachment) | Teacher         |

## Underwriting Guidelines by Insurance Providers

This section provides a structured overview of each insurer’s underwriting rules for motor insurance. It covers driver eligibility, vehicle age limits, coverage types, market and agreed values, referred cases, quote validity, policy renewal rules, and integration details. It is intended as a quick reference guide for understanding and comparing insurer requirements. 

### Driver Age Range 

This section summarizes the acceptable age ranges for drivers of different vehicle types as defined by each insurer. Special cases requiring referral are also highlighted. 

<table style="min-width: 75px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="2" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p><strong>Vehicle Type</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Car</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Motorcycle</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>18 – 79&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>17 – 75&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>17 – 75&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>21 – 70&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>NA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>&gt;21&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>21 – 65&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>21 – 65&nbsp;</p><p>(refer case &lt;21 &amp; &gt;65)&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>18 – 79&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>18 – 79 (refer case &gt;80)&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>23 – 80&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>25 – 75&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>18 – 85&nbsp;</p></td></tr></tbody>
</table>

 ⚠️ **Notes:**  

- **Takaful Ikhlas:** Age \<21 or \>65 for car is referred case. 


- **Takaful Malaysia: **Age 80+ for car is referred case. 

### Vehicle Age Range 

Outlines the eligible vehicle ages for COMP, TPFT and TP cover, including any special validations or regional limitations set by the insurers. 

<table style="min-width: 125px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="2" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="4" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 476px;"><p><strong>Vehicle Type / Coverage</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Car&nbsp;</strong>&nbsp;</p><p><strong>(COMP)</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Car&nbsp;</strong>&nbsp;</p><p><strong>(TPFT)</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Motorcycle (COMP)</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p><strong>Motorcycle (TP)</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>AIA&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>0 – 20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>AIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>1 – 20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Allianz&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>1 – 20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>1 – 30&nbsp;&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>1 – 45&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Chubb&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>0 – 10&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>0 – 20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>MSIG&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>1 – 20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>16 – 35&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>1 – 20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>16 – 35&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>0 –20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>16 – 35&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>0 –20&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>15 – 35&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Tokio Marine&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Refer notes&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>0 – 35&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 119px;"><p>&nbsp;</p></td></tr></tbody>
</table>

⚠️ **Notes:**  

- AIA, AIG, Allianz, Chubb and Etiqa: COMP validated by insurance provider 


- Takaful Ikhlas:  


- COMP: Validated by insurance provider 


- TPFT: Validated by Senang 


- Takaful Malaysia:  


- COMP: Validated by insurance provider 


- TPFT: Validated by Senang 


- Tokio Marine:  


- COMP and TPFT validated by insurance provider 


- **Standard**  


- Proton: Up to 10 years 


- Perodua: Up to 20 years 


- Others: Up to 20 years 


- **East Coast** 


- Proton: Up to 20 years 


- Perodua: Up to 25 years 


- Others: Up to 25 years 


- **East MY** 


- Proton: Up to 25 years 


- Perodua: Up to 25 years 


- Others: Up to 30 years 


- TPFT vehicle age up to 35 years 


- Zurich Takaful: 


- COMP: Validated by insurance provider 


- TPFT: Validated by Senang 

### Market Value Range 

Displays the minimum and maximum market values recognized by each insurer, including any dynamic ranges or fixed value rules.

<table style="min-width: 75px">
<col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><tbody><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Insurance Provider</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Min</strong>&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(218, 238, 243); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p><strong>Max</strong>&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIA&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>Fixed value&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>AIG&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Allianz&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>Fixed value&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Chubb&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: rgb(217, 217, 217); background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>N/A&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Etiqa&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Based on insurance provider’s&nbsp; API: minimumMarketValue&nbsp;&nbsp;&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Based on insurance provider’s API: maximumMarketValue&nbsp;&nbsp;&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>MSIG&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>Fixed value&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Pacific Insurance&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>Range is dynamic from insurance provider&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Ikhlas&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>-5%&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>+10% (or less than min. agreed value)&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Takaful Malaysia&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>-5%&nbsp;</p></td><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>+10%&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Tokio Marine&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>Range is dynamic from insurance provider&nbsp;</p></td></tr><tr><td colspan="1" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 198px;"><p>Zurich Takaful&nbsp;</p></td><td colspan="2" rowspan="1" style="-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; overflow: visible; vertical-align: middle; position: relative; background-color: transparent; background-clip: padding-box; border: 1px solid rgb(0, 0, 0); width: 396px;"><p>Range is dynamic from insurance provider&nbsp;</p></td></tr></tbody>
</table>

### Agreed Value Range 

Specifies the agreed value limits for Comprehensive coverage, noting cases where this feature is not supported.

| **Insurance Provider** | **Description**                   |
| :--------------------- | :-------------------------------- |
| AIA                    | N/A                               |
| AIG                    | Based on insurance provider’s API |
| Allianz                | N/A                               |
| Chubb                  | Based on insurance provider’s API |
| Etiqa                  | Based on insurance provider’s API |
| MSIG                   | N/A                               |
| Pacific Insurance      | N/A                               |
| Takaful Ikhlas         | Based on insurance provider’s API |
| Takaful Malaysia       | Fixed to +10%                     |
| Tokio Marine           | Based on insurance provider’s API |
| Zurich Takaful         | Based on insurance provider’s API |

 ⚠️ **Notes: **Agreed Value is only applicable for COMP car. 

### Referred Case 

Indicates scenarios where an application requires additional review by the insurer before approval.

| **Insurance Provider** | **Is Supported** |
| :--------------------- | :--------------- |
| AIA                    | x                |
| AIG                    | x                |
| Allianz                | x                |
| Chubb                  | x                |
| Etiqa                  | x                |
| MSIG                   | x                |
| Pacific Insurance      | ✓                |
| Takaful Ikhlas         | ✓                |
| Takaful Malaysia       | ✓                |
| Tokio Marine           | x                |
| Zurich Takaful         | ✓                |

⚠️ **Notes: **Referred case not applicable to motorcycles. 

### BNM Rounding on Cover Note 

Shows which insurers apply Bank Negara Malaysia rounding rules on cover notes.

| **Insurance Provider** | **Is Supported** |
| :--------------------- | :--------------- |
| AIA                    | x                |
| AIG                    | x                |
| Allianz                | ✓                |
| Chubb                  | ✓                |
| Etiqa                  | x                |
| MSIG                   | ✓                |
| Pacific Insurance      | x                |
| Takaful Ikhlas         | ✓                |
| Takaful Malaysia       | ✓                |
| Tokio Marine           | x                |
| Zurich Takaful         | x                |

### Quote Before 

Lists the duration each insurer’s quote remains valid before policy expiry date. 

| **Insurance Provider** | **No. of Days** |
| :--------------------- | :-------------- |
| AIA                    | 60              |
| AIG                    | 60              |
| Allianz                | 60              |
| Chubb                  | 60              |
| Etiqa                  | 60              |
| MSIG                   | 60              |
| Pacific Insurance      | 60              |
| Takaful Ikhlas         | 120             |
| Takaful Malaysia       | 60              |
| Tokio Marine           | 90              |
| Zurich Takaful         | 60              |

 ⚠️ **Notes: **Takaful Ikhlas and Tokio Marine: Limited to 60 days by Senang. 

### Policy Lapse Renewal 

Provides the allowable period for policy renewal after lapse, including any requirements for photos or additional validation.

| **Insurance Provider** | **No. of Days**                       |
| :--------------------- | :------------------------------------ |
| AIA                    | 30                                    |
| AIG                    | 30                                    |
| Allianz                |                                       |
| Chubb                  | 30                                    |
| Etiqa                  | 60 (lapse \>90 days require approval) |
| MSIG                   | 30                                    |
| Pacific Insurance      | 0                                     |
| Takaful Ikhlas         | 14                                    |
| Takaful Malaysia       | 0                                     |
| Tokio Marine           | West MY: 14 / East MY: 30             |
| Zurich Takaful         | 60                                    |

### JPJ Status Check API 

Indicates which insurers provide integration with the JPJ status check API.

| **Insurance Provider** | **JPJ Required** |
| :--------------------- | :--------------- |
| AIA                    | ✓                |
| AIG                    | ✓                |
| Allianz                | ✓                |
| Chubb                  | ✓                |
| Etiqa                  | x                |
| MSIG                   | ✓                |
| Pacific Insurance      | ✓                |
| Takaful Ikhlas         | ✓                |
| Takaful Malaysia       | ✓                |
| Tokio Marine           | ✓                |
| Zurich Takaful         | ✓                |

### Policy URL from Insurance Provider

Shows which insurers provide direct policy links and notes any special encryption or access requirements. 

| **Insurance Provider** | **Availability** |
| :--------------------- | :--------------- |
| AIA                    | x                |
| AIG                    | ✓                |
| Allianz                | x                |
| Chubb                  | x                |
| Etiqa                  | x                |
| MSIG                   | x                |
| Pacific Insurance      | ✓                |
| Takaful Ikhlas         | ✓                |
| Takaful Malaysia       | ✓                |
| Tokio Marine           | ✓                |
| Zurich Takaful         | x                |

 ⚠️ **Notes:** 

- Tokio Marine:  


- The policy link will be provided by Senang and Senang will receive the encrypted PDF in Base64 format from insurance provider   


- The policy PDF is password encrypted. The format for password is the first two characters from fullName, combined with the last six digits from idNumber 

### Policy Email Sent by Insurance Provider 

Outlines whether policies are emailed directly by the insurer.

| **Insurance Provider** | **Availability** |
| :--------------------- | :--------------- |
| AIA                    | ✓                |
| AIG                    | x                |
| Allianz                | ✓                |
| Chubb                  | ✓                |
| Etiqa                  | ✓                |
| MSIG                   | ✓                |
| Pacific Insurance      | x                |
| Takaful Ikhlas         | x                |
| Takaful Malaysia       | x                |
| Tokio Marine           | ✓                |
| Zurich Takaful         | ✓                |

### Policy Email Sent by Senang

Outlines whether policies are emailed directly by Senang.

| **Insurance Provider** | **Availability** |
| :--------------------- | :--------------- |
| AIA                    | x                |
| AIG                    | ✓                |
| Allianz                | x                |
| Chubb                  | x                |
| Etiqa                  | x                |
| MSIG                   | x                |
| Pacfic Insurance       | ✓                |
| Takaful Ikhlas         | ✓                |
| Takaful Malaysia       | ✓                |
| Tokio Marine           | x                |
| Zurich Takaful         | x                |

## Error Codes 

### Senang Error Codes 

This section lists all system, validation, and provider-related error codes returned by Senang’s API. Each code includes a clear description to help identify the issue and guide next steps for troubleshooting or customer communication.

| **SNG Code**      | **Description**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| :---------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| SNG001            | Your vehicle has already been renewed. Please check with Insurance Provider or contact the customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| SNG002            | Your policy isn't expiring soon (expiry date)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| SNG003            | The combination of NRIC and Vehicle Number is not correct                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| SNG004            | We're sorry, we can't process your request online at the moment.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| SNG005            | Your vehicle has exceeded the renewal age limit.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| SNG006            | You cannot purchase insurance online as the age range of the vehicle owner and the vehicle is not available in the system.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| SNG007            | The values entered does not match with JPJ Data. Please ensure that the ID Number and Vehicle Number are the same. Alternatively, please contact the customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| SNG007E           | Your vehicle is pending confirmation for JPJ approval. Please contact the customer service team to find out the status of approval.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| SNG008            | Your vehicle is not available for online quotation. Please contact customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| SNG009            | The takaful contribution quotation will be different as the quote validity has expired. Please contact customer service team if you have further questions.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| SNG010            | The system is currently down. Please contact customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| SNG011            | Unable to issue the insurance policy because the vehicle is currently blacklisted or the cover note has been canceled. Please contact customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| SNG013            | Your payment is successful.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| SNG014            | System is currently processing your request. Please be patient and do not refresh the page.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| SNG015            | Your payment is successful, but we are unable to generate invoice no. SNGV10. Please contact customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| SNG016            | Cover type is not supported.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| SNG017            | Prior approval is required for this vehicle model.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| SNG019            | The value of sum insured is out of range.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| SNG020            | Duplicate transaction                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| SNGV01            | The values of the required field is empty.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| SNGV02            | The required field is incomplete. Please follow the sample format to get a quotation, or contact customer service team for a personalised quote.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| SNG_REFERCASE     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| VALIDATION_ERROR  | - The selected Provider [] is not supported!    - Maximum driver limit of 5 including policy owner is exceeded!    - [] must not be less than number    - [] must not be greater than  number    - idType must be [nric,passport]    - vehicleCoverTypeID must be [COMP,TPFT, TP]    - Provider must be [etiqa, takaful_malaysia, takaful_ikhlas, aia, tokio_marine, aig, zurich, chubb]    - gender must be [Male,Female]    - maritalStatus must be [S,M,D,C,W]    - Full Name must be alphabet with selected special character such as /@()'.    - Invalid NRIC format    - Invalid passport format    - Invalid address    - [address1, address2, address3] must be within 5 to 40 characters    - Invalid postcode    - Invalid date of birth    - Age must be between 18 and 79 years old    - Choose between passport or nric    - Invalid Malaysian mobile number format |
| VALIDATION_FAILED |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| MISSING_PARAMETER | Required parameter [] is missing!                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| ACCESS_DENIED     | - Signature Expired!    - Invalid API key!    - Invalid Signature!    - Request cannot be processed from this IP    - Policy does not belong to the merchant!                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| ETIMEDOUT         | The Provider is not responding right now. Please try again in 5 minutes or contact our team                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| NOT_FOUND         | - Sorry, we are unable to identify any Insurance Provider for your Vehicle No.    - Sorry, You are advised to make another request in order to get the latest quotation!   JPJ status request for this Policy is not supported!                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |

By default, any unknown insurance provider error codes will be mapped to SNG008. 

### Master Error Codes 

This section combines all Financial Link, Insurer, and Senang error codes into a single reference for easier troubleshooting. 

🔗 [**<u>Senang Vehicle Provider - Error Code Mapping Master.xlsx</u>**](https://senangio.sharepoint.com/:x:/s/Productsenang/EUhqGBXXCFdDv85DSa19k0oB8AeRA5hTFKQ74WjY19b2xg?e=dSDiJe) 

---

Need help? Contact [product@senang.io](mailto:product@senang.io) 🚀

API documentation

Docs

​Endpoints

​🌍 Environment and Documentation

​🔐 API Credentials

​📩 Authorisation Headers

​🔑 Generating Signature (Node.js Example)

​🚘 REST API REFERENCES

​📥 Generate Quote

​🔁 Update Quote

​👤 Update Personal Info

​📄 Issue Policy

​📑 Optional: Get Policy

​Optional: Prepare Payment

​Optional: Cancel Payment

​Optional: Cancel Payment

​Optional: JPJ Callback

​HTTP Response Codes

​Response Codes

​Response Object

​Road Tax Data

​Provider Data

​Vehicle Summary

​Premium Summary

​📌 Example JSON for addOn

Endpoints

🌍 Environment and Documentation

🔐 API Credentials

📩 Authorisation Headers

🔑 Generating Signature (Node.js Example)

🚘 REST API REFERENCES

📥 Generate Quote

🔁 Update Quote

👤 Update Personal Info

📄 Issue Policy

📑 Optional: Get Policy

Optional: Prepare Payment

Optional: Cancel Payment

Optional: Cancel Payment

Optional: JPJ Callback

HTTP Response Codes

Response Codes

Response Object

Road Tax Data

Provider Data

Vehicle Summary

Premium Summary

📌 Example JSON for `addOn`