This website is operated by GOPAY. Throughout the site, the terms “we”, “us” and “our” refer to GOPAY. GOPAY offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our site, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.
Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence, and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.
We reserve the right to refuse service to anyone for any reason at any time.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.
Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.
We have made every effort to display as accurately as possible the colours and images of our products that appear at the store. We cannot guarantee that your computer monitor’s display of any colour will be accurate.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.
Certain content, products and services available via our Service may include materials from third parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall GOPAY, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
You agree to indemnify, defend and hold harmless GOPAY and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Malaysia.
You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
Motorcycle insurance is a policy which provides financial protection to your motorcycle in the event of a fire, accident, or theft. Besides that, motorcycle insurance also provides financial protection to you against any liability from the third party for injury, death or damage to their motorcycle.
However, not every motorcycle insurance policy provides the same coverage. Some policies provide a wider coverage than others, so it is best to choose what coverage you want.
However, some insurance policies provides these coverages as an add-on coverage with an additional premium price.
However, not every insurance package will allow all the following add-on coverage. Some may even provide more add-on coverages than the ones listed above. If you require any add-on coverage, make sure to choose an insurance policy that provides the add-on coverage that you require.
There are 3 types of motorcycle insurance available in Malaysia:
1. Third Party
Third Party Coverage is the most basic motorcycle insurance you can apply for. This insurance provides very minimal coverage in the event of an accident such as injuries, deaths or damages to the motorcycle. However, this type of insurance will not provide any coverage to you but to the third party only. You will not be able to claim for any injuries, deaths or damages made to your motorcycle, but you can claim for any compensation needed to be made to the third party.
2. Third Party, Fire and Theft
Like the Third Party Coverage, it covers any claims made against you by a third party in the event of a motorcycle accident which causes bodily injuries, death, property loss or damage caused by your motorcycle. Besides that, this insurance policy provides extra coverage on any damages made from a fire or theft of your motorcycle.
3. Comprehensive Insurance
A Comprehensive Insurance has a more coverage compared to the other policies. It has all the coverage in the Third Party, Fire and Theft Coverage but instead of covering only the third party, this insurance covers your motorcycle too. You will be protected for any damages or loss caused to your motorcycle which covers more than just fire and theft.
Bear in mind that not all the policies available provide protection for any injury or death that has occured to you.
To make an insurance claim in case of an accident, you need to refer to the process outlined by the respective insurance provider. For example, if your insurance is issued by Zurich, you can refer to their FAQ section for the process of insurance claim.
You can cancel your motorcycle insurance policy anytime by giving a written notice to the insurance company. However, you might have to pay a penalty fee if you were to cancel before the one-year period of your policy. You may be entitled to get a refund for your premium if no claims has been made before the cancellation. Please refer to the chart below for the total premium and customary short-period rates:
NCD is a discount for riders who have not made any insurance claim during the insurance period. NCD discounts will increase over the years. However, once you have made an insurance claim, you will lose your NCD entitlement. The NCD amount depends on the type of motorcycle, coverage, and the number of years you have not made a claim. Normally, motorcycles can get up to 25% of NCD.
Your vehicle insurance can only be renewed 2 months before expiry. In such case, you will not be able to get vehicle info for verification.
If your vehicle insurance is expiring within 2 months and you are still not able to get the vehicle info, please contact our customer careline.
These are the types of car insurance available in Malaysia:
Third Party Coverage only is the cheapest and most basic insurance as it provides very minimal coverage in the event of an accident such as injuries, deaths or damages to the car. This insurance coverage will not protect you but instead, it will only protect the third party involved in the accident. You will not be able to claim for any damages made to your car, but you can claim for any compensation needed to be made to the third party.
Like the Third Party Coverage, it covers any claims made against you by a third party in the event of an accident which cause bodily injuries, death, property loss or damage caused by your vehicle. Besides that, this insurance policy provides extra coverage on any damages made from a fire or theft of your vehicle.
3. Comprehensive Car Insurance
A Comprehensive Car Insurance has a wider protection coverage compared to the other packages. It has all the coverage in the Third Party, Fire and Theft Coverage but instead of covering only the third party, this insurance covers your vehicle too. You will be protected for any damages or loss caused to your vehicle which covers more than just fire and theft. However, not every car is applicable to this insurance as it depends on the car age.
Bear in mind that all the packages available does not provide protection for any injury or death that has occured to you (the driver or passenger of the policyholder).
Car insurance is compulsory for drivers in Malaysia whereas personal accident insurance is not necessarily required.
Car insurance provides coverage for any damages to your car, injuries or death of the third party, and damages to third party’s property or car whereas personal accident insurance provides coverage for you if you face any injuries or death.
If you want to insure your vehicle more than the standard policy there are a few add-ons covers available. These are the ones that you can choose from:
However, not every insurance package will allow every one of these add-ons in coverage. If you require any add-on coverage, make sure that you choose an insurance policy that provides the ones that would fit your need.
There are several factors that will affect your car insurance premium:
1. Geographical Location
Depending on where you live and buy an insurance policy determines your premium rate. Rates are generally higher in city areas compared to rural areas as city areas has a higher rate of accidents, theft, and vandalism. However, if your car is expensive, you will normally have a higher premium rate despite being in a rural area.
2. Age & Gender
Drivers who are younger and inexperienced will automatically have a higher risk to car insurance companies and will cause the inexperienced driver to have a higher premium rate. It is better to be licensed for a few years and have a clean driving record to have a lower premium rate. Besides that, women are generally safer drivers which allows them to get a lower premium rate compared to men.
3. Driving Record
Drivers who has a safe driving history typically get lower premium rates compared to drivers who has a history of accidents, speeding tickets and etc. To avoid getting a higher premium rate, pay attention to the road and avoid any accidents.
4. Type Of Motor Vehicle
Motor vehicles which are classified as intermediate-performance, high-performance, rear-engine models and sports vehicles will have a higher premium rate compared to average cars. This is because in the event of an accident, the cost of the vehicle repair will be more expensive.
5. Types Of Coverage
Depending on the coverage and benefits that is provided by your insurance policy determines the premium rate. The more the coverage and benefits, the higher the premium rates will be. Normally, if the insurance policy covers you and the third-party, it will cost more.
You cancel your car insurance policy anytime you want by giving a written notice to the insurance company. However, you might have to pay a penalty fee if you were to cancel before the one-year period of your policy. You may be entitled to get a refund for your premium if no claims has been made before the cancellation.
No Claim Discount is a discount for drivers who have not made any insurance claims during the preceding years of the insured period. If you didn’t file any claims over the years, your NCD discount will increase, however, once you make a claim, your NCD will go to 0% again and after 1 year of paying your premium to full, you start building your NCD again. The amount of NCD you may receive depends on the type of vehicle, coverage and the number of years you have not filed a claim. Normally private cars can go up to 55% of NCD.
On the main menu, go to INSURANCE and verify your vehicle details. After verification, click on INSURANCE DETAILS and opt in for road tax renewal. You then need an address for road tax delivery.
For step by step guide, please watch the tutorial video.
Peninsular/West Malaysia: within 3-5 working days.
Sabah & Sarawak are currently not available for road tax renewal.
No, you cannot renew your road tax without renewing your insurance first, regardless of whether you go to JPJ/POS office or via any insurance agent.
In this case, you need to inspect your motorcycle at Puspakom first. If your motorcycle is certified safe, then you can renew insurance and road tax.
We suggest that before you go for an inspection at Puspakom, please book an appointment with them to avoid queues.
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