This product provide coverage to loss or damage to your own vehicle due to accident, fire or theft. The product also cover your liability or your authorised drivers’ liability to third party for bodily injury and death or third party property loss or damage. 

XOX is a digital insurance portal that helps you to compare rates and purchase motor insurance for the best selection. The platform is also equipped with a renewal service and provides delivery of road tax directly to the customer's doorstep. By providing this service, customers can now easily make insurance purchase anytime and anywhere. XOX aims to ensure that this process is easily accessible, affordable and reliable. XOX provides ongoing after-sales support to ensure customers are well protected. 

This platform is guaranteed to be safe to use because this platform is a registered insurance partner and has been fully audited by a listed insurance company. 

XOX Media Sdn Bhd is a marketing distribution/introducer of senang.io., the Insurance/Takaful agencies are registered under the following.

• Etiqa General Takaful Berhad: V0037895, Platform 2022 Sdn. Bhd

• Syarikat Takaful Malaysia Am Berhad: GCA06084, Platform 2022 Sdn. Bhd

• Takaful Ikhlas General Berhad: GTX000007, SENANGNVS Sdn. Bhd

• Tokio Marine General Insurance Berhad: 00156810, Platform 2022 Sdn. Bhd

• Chubb Insurance Berhad: V2143AHQ, HarverstKorp

Please contact our digital platform provider, senang.io from Monday to Friday between 9.00AM and 5.00PM.

• WhatsApp: +6018-955 9931

• Email: customercare@senang.io

Yes, XOX Protect facilitates the assistance of road tax renewal services. Please note that this service is conducted through an authorized JPJ channel. In partnership with senang.io, XOX Protect helps streamline the process. A processing fee is applicable and will be clearly stated on the checkout page. Road tax renewals are processed the next working day by 5PM and are available only for digital road tax.

Vehicle insurance provides financial security. For example, liability coverage can assist with expenses if you are involved in a car accident, covering legal fees, medical costs for an injured individual, or compensation for lost income if the injuries prevent you from working. 

Many comprehensive and some third party, fire and theft plans come with extras like roadside assistance, legal liabilities and accidents. We protect you from losses or damages due to accident, fire or theft as well as third party bodily injury, death and third party property losses or damages. 

You can go to our website to get the quote and proceed to make payment via the payment methods provided. You will receive an email once the application is approved. 

Yes, you can renew your motorcycle policy (private - motor) under comprehensive and third parties coverage. 

You are required to make payment for all outstanding traffic offenses recorded before proceeding with renewal. The database system will check any pending and blacklisted summons records on the Road and Transport Department (JPJ) and Royal Malaysia Police (PDRM) online services. 

Road tax and delivery charges are RM10.00. It is included in the pricing when the customer renew their certificate. 

You have the option to pay via online banking, debit or credit card payment. 

You will receive receipt through your email. However, if you are still worried, you can WhatsApp our customer hotline number +6011-6160 3071 or email us at customercare@senang.io 

The platform offers digital and/or physical road tax options. For the digital version, you can access your road tax application through the mysikap app once your purchase is successfully processed. If you opt for a physical road tax, it will be mailed to your specified delivery address. 

An email from platform payment gateway provider will be sent to you once payment for renewal is successfully completed. 

The renewed policy is delivered to you within few minutes after payment is successfully made. You may request to cancel by sending us the cover note and reason for cancellation. The cancel and refund process as follows:

1. Contact us via WhatsApp or email to request for cancellation and refund.

2. Your request will be verified and processed within 24 hours.

3. You will receive notification via email. The refund money will be processed by the bank.

4. Receive your refund money within three weeks via direct credit to your bank account. 

An NCD is a discount given to drivers who have never made a claim during the previous year of the insurance period. The amount of NCD depends on the type of vehicle, coverage and the number of years insured did not file a claim. NCD can increase if the insured did not file a claim over the years. A private car can normally accumulate up to 55% of NCD. Hence, if the insured makes a claim the NCD will go to 0% again, after paying a premium amount for a year the NCD will start building once more. 

You can check your eligibility through https://www.mycarinfo.com.my/ncdcheck/online 

Please contact your insurance provider as follow:

• Customer service number AIG Malaysia Insurance Berhad: 1-800-88-8811

• Customer service number Chubb Insurance Malaysia Berhad: 1-800-883-226

• Customer service number Tokio Marine Insurans (Malaysia) Berhad: 1-800-88-0812

Four steps to take if you are involved in an accident and wish to file a claim:

Step 1 - Immediately make a police report after the accident in 24 hours.

Step 2 - Notify insurance company about the accident and get a claim form to complete. If the vehicle is drivable, send the vehicle to a nearby panel workshop. If not, please call your insurance company’s hotline number for towing services.

Step 3 - Make sure you submit supporting documents to insurance company or workshop.

Step 4 - Authorisation for repairs will be issued to the workshop by insurance company.