Qoala is an insurance technology company looking to democratize insurance by making it universally accessible, affordable for all and easy to use with no paperwork. Perhaps we may even make insurance a little fun!

We work with all sorts of insurers/ takaful operators! We're constatly growing our partnerships and closely work with:

1. AXA Affin General Insurance Berhad
2. Takaful Ikhlas General Berhad
3. Syarikat Takaful Am Malaysia Berhad
4. Zurich General Insurance Berhad
5. Tune Protect
6. Lonpac Insurance Berhad

More coming!

Qoala's got your back, to help you do the right thing! We aim to provide you with the easiest, fastest, and the best value insurance product that suits your needs. Allow us to take care of the fuss, so you don't have too! Visit the Qoala.app today, available at all times!

We're sorry you are experiencing difficulties, please contact us through our customer care line at (015) 48 77-1038 or send an email to cs@qoala.my we would be happy to help investigate the issue further, thank you for understanding.

Yes, we at Qoala have gone through rigirous verification, audits, and approvals with Central Bank of Malaysia. As an agent, we also work closely with our Insurance/ Takaful Operator partners to ensure we are compliant to their highest standards. Lastly, we closely follow regulations set by the Road Transport Department to ensure our road tax services are secure. Qoala engages Myeg and other partners to provide a comprehensive service.

Concerns on our services and market practices can be lodged to the Ombudsman for Financial Services (Formerly known as Financial Mediation Bureau) or BNM LINK.

Absolutely, Qoala is dedicated to adhering to the Personal Data Protection Act (“PDPA”) 2012, and will apply all required safeguards and actions detailed within the act throughout our operations of all business transactions.

Not to worry! Please select “Forgot Password”, we will send you a reset code to your email to change your password.

We accept Debit/ Credit cards and Online Banking methods at this time.

You may change your details in the payment page as your are making payment or you may go to your account details and update it from there.

Nope! We'll do all the work for you, so you don’t have to worry about the details. Your policy will still be provided and underwritten by a registered insurer/ takaful operator regulated by Bank Negara Malaysia.

Your policy will be automatically activated once approved by your registered insurance/ takaful operator and having received the policy documents

You will be charge for any additional cover or add-ons selected, SST tax obligations, and stamp duties.

If you have experienced a claimable loss, please do the following:

1. Contact your insurance company/ takaful operator as soon as possible.
2. Make your police report and keep all relevant documents
3. Document the accident/theft or insured event.
4. Gather relevant documents for the motor insurance/ takaful claim
5. Submit the relevant documents to your insurer/ takaful operator or panel workshop

Under the basic policies each motor policy does not cover death or total permanent disability. There are however, options to insure those specific risks available in most policy add-ons.

We’re sorry your are experiencing cancellation. Yes, your policy premium will be refunded to you in 2-3 working days.

We're sorry this has happened to you. We kindly suggest checking your policy to see if your coverage extends to the experienced loss as it may not be covered. Please also review your premium payments, as late or unpaid premiums may result in rejection or cancellation of your policy. Lastly, ensure you were not liable under the policy exclusions or do not meet the conditions set out by the insurer/ takaful operator. Not adhering to these requirements may also result in claim rejection. We wish you well for a satisfactory outcome.

For issues specifically related to Qoala, please contact us at +60 1548 771 038 or send an email to cs@qoala.my for us to assist you better.

Conditions are specific requirements that may be set for the coverage provided to be valid. This is often done to ensure policies are processed properly and informs you what you should do during a claim. Conditions are usually listed within the policy wording, and it would be wise to read and understand them thoroughly.

A deductible is fee that must be paid in order to make a claim on the policy. This is done for a number of reasons with one key aspect being control of moral hazard (i.e. ensuring the customer don't take unnecessary risks simply due to the existence of insurance/ takaful). A key aspect to note is that deductibles reduce the maximum payout of a policy. As an example:
For a policy of RM1,000 sum insured and an excess of RM100, with RM1,500 loss:

1. The insured will pay the deductible of RM100.
2. The policy will then pay out the sum insured inclusive of the RM100. This sum will be RM900, as it considers the deductible as part of payment towards the sum insured. As such, the insurance company/ takaful operator will payout the sum insured minus the deductible.
3. With RM1,000 paid, the insured is now liable for only RM500.

Exclusions are those specific risks that the insurance company does not cover. This is usually to specify the range of cover that can actually be insured, so as not to cover uninsurable events, catastrophic occurrences, and non-accidental situations.

A loading excess fee is essentially a surcharge for additional risk specific to the insured. This will increase the basic premiums charged to the insured. It is important to note, that this enables the insured to still be covered under a policy while accounting for the uniqueness of their risk situation.

A policy excess fee is fee that must be paid in order to make a claim on the policy. This is done for a number of reasons with one key aspect being control of moral hazard (i.e. ensuring the customer don't take unnecessary risks simply due to the existence of insurance/ takaful). A key aspect to note is that excess does not reduce the maximum payout of a policy. As an example:For a policy of RM1,000 sum insured and an excess of RM100, with RM1,500 loss:

1. The insured will pay the excess of RM100.
2. The policy will then pay out the sum insured in excess of RM100. This sum will be the sum insured of RM1,000, as payouts exceeding RM100 for losses greater than the sum insured is considered separately from the sum insured.
3. With RM1,100 paid, the insured is now liable for only RM400.