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 Protect is a digital insurance/takaful portal that allows you to compare rates and purchase car and motor insurance/takaful from a curated selection. Equipped with a renewal service, the platform enables customers to make insurance premium or takaful contributions conveniently from anywhere at any time. XOX is committed to making this process accessible, affordable, and reliable, while providing continuous after-sales support to ensure customers receive comprehensive protection.

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

• Zurich General Takaful Malaysia Berhad: T63795H-001

Please contact our digital platform provider, senang.io from Monday to Friday between 9.00AM and 6.00PM.

• WhatsApp: +6018-955 9931

• Email: customercare@senang.io 

If you wish to file a complaint, please refer to the following options:

1. Contact us via WhatsApp at +018-955 9931

2. Email us at customercare@senang.io

3. Visit the nearest branch to submit your feedback or complaint in person

Once your complaint has been submitted, our team will register your complaint case and conduct an investigation. You will receive a response with the outcome within 14 days. We will keep you updated on the status of your complaint and notify you if additional time is needed for the investigation.

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 takaful 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 contribution via the payment methods provided. You will receive an email once the application is approved. 

Yes, you can renew your motorcycle certificate (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 make contribution 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 +6011-61603071 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 contribution 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 takaful period. The amount of NCD depends on the type of vehicle, coverage and the number of years covered did not file a claim. NCD can increase if the covered did not file a claim over the years. A private car can normally accumulate up to 55% of NCD. Hence, if the covered 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 takaful provider as follow:

• Etiqa General Takaful Berhad: 1-300-13-8888

• Syarikat Takaful Malaysia Am Berhad: 1-300 88 252 385

• Takaful Ikhlas General Berhad: 1-800-88-1186

• Zurich General Takaful Malaysia Berhad: 1-300-888-622

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 takaful 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 takaful company’s hotline number for towing services.

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

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