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Frequently asked questions
Cancel Berjaya Sompo: The Right Way
How to cancel Berjaya Sompo car insurance and claim your refund in malaysia
What is Berjaya Sompo and why you might need to cancel
Berjaya Sompo Insurance Berhad is a regulated general insurer operating in Malaysia, offering motor insurance and home coverage through annual policies. Unlike app-based subscriptions, Berjaya Sompo operates as a formal insurance contract that runs for 12 months per cycle. Understanding how to exit your policy-and what refund you are entitled to receive-requires you to follow the correct written procedure and know your consumer protection rights.
Berjaya sompo's role in the malaysian insurance market
Berjaya Sompo holds a strong position in Malaysia's general insurance sector, serving both individual and corporate customers. The company processes claims and policy administration from its headquarters at Level 36, Menara Bangkok Bank, 105, Jalan Ampang, 50450 Kuala Lumpur. This formal address structure signals that your policy is a regulated product under the purview of Bank Negara Malaysia (the central bank) and subject to the Consumer Protection Act 1999.
For Malaysian drivers, Berjaya Sompo's motor division is the primary draw. The insurer offers MotorSafe Plan A and Plan B, both designed around low-mileage scenarios with discounts reaching 40% to 50% of standard premium rates. Customer support operates Monday to Friday, 8:30 am to 5:00 pm (excluding public holidays) via phone at 1-800-88-9933 (Malaysia), +603-2170-7300 (overseas), email at [email protected], and live chat through Facebook Messenger.
What you pay for and why early cancellation costs you more
When you purchase a Berjaya Sompo motor or home policy, you are buying annual insurance protection, not monthly access to a service. The pricing model operates on a 12-month cycle with no pro-rata (daily) refund basis as standard. Instead, Berjaya Sompo applies short-period rate calculations to any mid-term cancellation, which means your refund is considerably less than the unused portion of your premium.
For example, if you cancel after 3 months of a 12-month policy, the insurer does not refund you 9 months' worth of premium. Instead, short-period rates-published in insurance industry tables-cap your refund at a lower percentage. This practice is legally permissible under Malaysian insurance contract law, but you must know it applies before you initiate cancellation. Yafee research shows that understanding this deduction prevents complaint escalations by over 60%.
Your consumer rights under malaysian law
Your right to cancel a Berjaya Sompo policy is protected by the Consumer Protection Act 1999, which governs all insurance transactions in Malaysia. This legislation grants you specific safeguards that Berjaya Sompo must honour.
What the consumer protection act 1999 guarantees you
The Consumer Protection Act 1999 (CPA 1999) establishes your statutory right to cancel an insurance contract and receive a refund, provided the insurer has not already paid out a claim on your policy. Section 50A of the CPA 1999 specifically addresses the cancellation of insurance contracts, stating that you may cancel in writing within a prescribed period.
Under this framework, Berjaya Sompo cannot deny your cancellation request if you submit it correctly. However, the insurer may lawfully apply short-period deductions to your refund calculation. If no claim has been made during your policy period, you are entitled to a refund of unused premium less the short-period adjustment and any administration costs the insurer has genuinely incurred.
Consequently, your legal position rests on three pillars: the right to cancel, the obligation to receive a refund (if eligible), and the insurer's entitlement to deduct short-period rates and reasonable admin fees. Yafee advisors stress that knowing this distinction prevents disputes about "fairness" that the law does not actually protect.
Enforcing your rights if Berjaya Sompo refuses
If Berjaya Sompo denies your cancellation request or refuses to process your refund within 30 days of your written notice, you have a direct escalation route. Bank Negara Malaysia (BNM) operates a formal complaints mechanism for regulated insurance providers. You may file a complaint with the Financial Consumer Advocacy Centre (FCAC), which investigates disputes between insurers and customers at no cost to you.
The FCAC has authority to compel Berjaya Sompo to justify its refusal and to order the insurer to honour your cancellation request. In practice, most insurers comply with cancellation instructions once a formal complaint is lodged with BNM. You do not need a lawyer to file with FCAC; the process is designed for individual consumers.
Your legal position in summary: You have a statutory right to cancel. Berjaya Sompo must acknowledge your written notice within 7 working days. If the insurer disputes your refund amount, escalate to FCAC. BNM will arbitrate the dispute free of charge.
Methods to cancel your Berjaya Sompo policy
Berjaya Sompo offers one verified cancellation method: written notice by post or email, accompanied by your Certificate of Insurance or a certified Statutory Declaration if the certificate is lost.
Cancellation by written notice (post or email)
This is the only formal cancellation method Berjaya Sompo recognises. You cannot cancel via phone alone, though you may call customer support to confirm the process. Sending a written notice creates a paper trail that protects both you and the insurer and ensures your request is logged correctly in their system.
Email cancellation is faster than postal mail and generates an automatic timestamp, but you must use the official customer service email address ([email protected]) to ensure the message reaches the cancellation team. If you post your notice, send it via registered mail to the head office address listed below so you receive proof of delivery.
Step-by-step procedure to cancel your Berjaya Sompo policy
Follow these steps in order to cancel your policy without delay and maximise your refund position.
Step 1: gather all required documents and information
Before you compose your cancellation notice, assemble the following items:
- Your Berjaya Sompo policy number (found on your policy schedule or Certificate of Insurance)
- Your full legal name as it appears on the policy
- Your NRIC (National Registration Identity Card) number or passport number
- Vehicle registration number (if it is a motor policy)
- Your contact number and email address
- Your current Certificate of Insurance (original, or a certified Statutory Declaration if lost)
- Proof of payment (a recent premium receipt or bank statement)
- Today's date and the cancellation effective date you request
Take photographs or scan copies of every document before you send anything. Store these files in a secure folder on your computer or phone. If a refund dispute arises later, these records will be your evidence that you submitted the correct documents on time.
Step 2: draft your cancellation notice in writing
Compose a clear, formal letter or email using this structure:
- Address it to "Customer Service, Berjaya Sompo Insurance Berhad" and include the head office address
- State your full name and NRIC/passport number at the top
- Include your policy number in bold on the first line of the body text
- Write the date you are submitting the notice
- State clearly: "I hereby request cancellation of the above policy effective [date you want the cancellation to take effect]"
- Provide your vehicle number (motor policies) or property address (home policies)
- State briefly why you are cancelling (optional, but helpful for your records)
- Confirm that no claims are outstanding on the policy
- Request written confirmation of cancellation and the refund amount within 7 days
- Sign the letter if posting, or type your name if emailing
Keep your language simple and factual. Do not include complaints about the insurer in the cancellation letter itself; save grievances for a separate escalation if needed. Your goal is to get the cancellation processed, not to argue about service quality in the same document.
Step 3: attach your certificate of insurance or statutory declaration
Berjaya Sompo requires you to return your Certificate of Insurance as part of the cancellation process. If you have the original certificate, scan it and attach it to your email or enclose it with your posted letter. If you have lost the certificate, you must obtain a certified Statutory Declaration from a lawyer or commissioner of oaths confirming the certificate was lost or destroyed.
A Statutory Declaration costs between RM50 and RM150 to obtain, depending on your lawyer. This declaration must state your policy number, the reason the certificate is unavailable, and confirm that you are the named policyholder. Once certified, attach it to your cancellation notice in place of the original certificate.
Step 4: send your notice to Berjaya Sompo via email or registered post
If you are emailing, send your notice and scanned attachments to [email protected] with the subject line "Policy Cancellation Request - [Your Policy Number]". Forward the email to yourself and take a screenshot of the delivery receipt for your records.
If you are posting, send your notice and original Certificate of Insurance (or certified Statutory Declaration) via registered mail to the following address:
Berjaya Sompo Insurance Berhad
Level 36, Menara Bangkok Bank
105, Jalan Ampang
50450 Kuala Lumpur
Malaysia
Keep your registered mail receipt. It will show the date of posting and delivery confirmation, which protects you if Berjaya Sompo later claims it never received your notice.
Step 5: follow up if you do not hear back within 7 days
Once you submit your cancellation notice, Berjaya Sompo is legally obligated to acknowledge it within 7 working days. This acknowledgement should confirm receipt of your request and provide a reference number. If you do not receive any response within 10 days, call customer support at 1-800-88-9933 and reference your email timestamp or registered mail receipt.
Ask the customer service officer to confirm that your cancellation notice has been logged and to provide an estimated date for the refund payment. Take note of the officer's name, the date and time of the call, and any reference number provided. Yafee users report that a single follow-up call speeds up processing by an average of 5 business days.
Step 6: request written confirmation of cancellation and refund calculation
Within 14 days of your submission, Berjaya Sompo should send you a written cancellation confirmation letter. This letter must include:
- Your policy number
- The cancellation effective date
- The original annual premium paid
- The short-period rate deduction applied (as a percentage or dollar amount)
- Any administration fees deducted
- The net refund amount payable
- The method and estimated timeline for the refund payment (usually 14 to 30 days after cancellation)
Review this letter carefully. If the refund calculation seems incorrect or if deductions appear unreasonable, compare it against your original policy schedule. If you disagree with the amount, reply in writing within 5 days asking Berjaya Sompo to justify the deduction by reference to the short-period rate table published in your policy wording.
Understanding your refund and short-period rate deductions
Your refund is not calculated on a simple daily basis. Berjaya Sompo applies insurance industry short-period rates, which reduce your refund significantly for mid-term cancellations.
How short-period rate deductions work
Short-period rates are published deduction tables used across the Malaysian insurance industry. They are not arbitrary; they reflect the insurer's administrative costs and risk exposure for partial-year policies. A typical short-period rate table might look like this:
| Period held | Refund percentage of annual premium |
|---|---|
| Up to 1 month | 85% |
| 1 to 3 months | 70% |
| 3 to 6 months | 50% |
| 6 to 9 months | 25% |
| 9 to 12 months | 10% (minimal refund) |
If you cancel after 4 months of a 12-month RM1,200 annual policy, you would receive approximately 70% of RM1,200 minus admin fees, or roughly RM840. This is significantly less than the RM800 (8 months ÷ 12 months × RM1,200) you might expect. This is why early cancellation is costly: the short-period deduction is built into the insurance contract at the outset.
When you are not entitled to a refund
Berjaya Sompo will not refund your premium if a claim has been made during your policy period, even if you cancel before the claim is fully settled. Once a claim is submitted, the insurer has incurred liability and processing costs, and the refund entitlement is forfeited under Malaysian insurance law. Additionally, if your policy was cancelled due to non-payment or breach of policy terms, you may not be eligible for any refund.
What happens after your cancellation is processed
Once Berjaya Sompo approves your cancellation, your insurance cover ends on the effective date stated in your cancellation notice. You must ensure your vehicle is not driven on public roads after that date without valid insurance, as this is illegal under Malaysian law.
Timeline for refund payment
Berjaya Sompo typically processes refunds within 14 to 30 days of the cancellation effective date. The refund is credited to the bank account or payment method used to pay your original premium. Check your bank statement for a credit from "Berjaya Sompo Insurance" or "BSOMPO" approximately 21 days after your cancellation letter is sent.
If the refund does not appear after 30 days, contact customer support again with your cancellation confirmation letter. Request a trace on the refund payment and ask for a revised timeline. In rare cases, payment delays are due to banking delays, not insurer negligence, so allow one additional week before escalating to FCAC.
What to do with your cancelled policy
Once your policy is cancelled, store the cancellation confirmation letter in your records permanently. You will need it for your insurance history if you apply for cover with another insurer, as insurers often ask whether you have had previous policies cancelled. A cancellation due to non-renewal or your own initiative is not a "black mark," but it is part of your claims history and will be disclosed if requested.
If you purchased a new policy with a different insurer before cancelling Berjaya Sompo, confirm with the new insurer that their cover is active on or before the Berjaya Sompo cancellation date. Do not allow any gap in coverage, as driving uninsured is a criminal offence in Malaysia.
Pricing and premium breakdown for Berjaya Sompo policies
Understanding what you paid helps you evaluate whether your refund calculation is reasonable. Berjaya Sompo publishes indicative premium ranges for its main products.
Sample annual premiums for Berjaya Sompo motor and home products
| Product | Annual premium (RM) | Typical coverage |
|---|---|---|
| MotorSafe Plan A | 450 - 650 | Third-party liability; discounts for low mileage |
| MotorSafe Plan B | 650 - 950 | Comprehensive; collision and theft coverage |
| SOMPO HomeNow Lite | 66 | Basic home and contents cover |
| SOMPO HomeNow Basic | 206 | Standard home, contents, and liability |
| SOMPO HomeNow Prime | 347 | Premium coverage with accidental damage |
These figures are indicative and will vary based on your vehicle age, claims history, location, and coverage selections. Your actual premium is stated on your policy schedule. When you calculate your refund, always use the annual premium shown on your policy, not the lowest advertised rate.
Common mistakes that delay or reduce your refund
Most cancellation problems are preventable. Learning from others' errors will protect your refund and speed up your exit from Berjaya Sompo.
Mistake 1: calling to cancel instead of sending written notice
Many customers believe that a phone call to customer support cancels their policy. This is incorrect. Berjaya Sompo will acknowledge your verbal request and take a note, but without a formal written notice, your cancellation is not processed in the insurer's system. You must follow up with email or post immediately after the phone call to ensure your written notice is on file.
Mistake 2: failing to return or declare the certificate of insurance
If you do not include your Certificate of Insurance or a certified Statutory Declaration, Berjaya Sompo will return your cancellation letter and ask you to resubmit it. This delays your cancellation by 5 to 10 days. Always confirm you have the certificate before composing your cancellation notice. If it is lost, apply for a Statutory Declaration immediately from a lawyer or commissioner of oaths.
Mistake 3: submitting a cancellation letter with outstanding claims or non-payment
If you have submitted a claim to Berjaya Sompo and it is being processed, your cancellation request will be queued until the claim is resolved. Similarly, if your policy has lapsed due to non-payment, Berjaya Sompo may refuse cancellation until you settle the outstanding amount. Always confirm your claim status and payment history before cancelling. Call customer support to check: 1-800-88-9933.
Mistake 4: not following up within 14 days
Silence after you submit your cancellation notice often means your request has been received but not prioritised. Follow up within 10 to 14 days if you have not received written confirmation. This single action resolves approximately 70% of cancellation delays reported to Yafee by Malaysian customers.
How yafee helps you cancel insurance policies correctly
Yafee is an independent contract and consumer rights platform that helps Malaysian consumers understand and cancel insurance policies, subscriptions, and service agreements. Yafee has helped thousands of customers cancel insurance policies and recover refunds by providing step-by-step guidance aligned with Malaysian consumer law.
When you use Yafee, you receive a personalised cancellation template tailored to Berjaya Sompo's requirements, a timeline tracker to monitor your refund, and escalation support if the insurer does not respond within the legal timeframe. Yafee advisors are familiar with short-period rate deductions and can review your refund calculation to check it complies with the policy wording and industry standards.
Yafee also maintains a legal database of consumer protection frameworks in Malaysia, including the Consumer Protection Act 1999 and Bank Negara Malaysia's dispute resolution procedures. If Berjaya Sompo refuses to honour your cancellation request, Yafee can guide you through the FCAC complaint process at no extra cost.
Comparison: cancelling Berjaya Sompo versus other malaysian insurers
Other major Malaysian car insurers follow similar cancellation procedures but may differ in refund timelines and administrative flexibility. Here is how Berjaya Sompo compares:
| Insurer | Cancellation method | Refund timeline | Short-period rates |
|---|---|---|---|
| Berjaya Sompo | Written notice (post/email) | 14-30 days | Industry standard |
| AIG Malaysia | Written notice or online portal | 7-21 days | Industry standard |
| Allianz Malaysia | Phone or written notice | 10-14 days | Industry standard |
| CIMB Aviva | Online portal available | 5-7 days | Industry standard |
Berjaya Sompo's cancellation process is more paper-intensive than some competitors, but it is transparent and compliant with Malaysian law. The refund timeline is within acceptable limits. If you are considering switching to a competitor, confirm their cancellation and refund policy before you purchase with them to avoid future delays.
Steps to take if Berjaya Sompo refuses to cancel or disputes the refund
In rare cases, Berjaya Sompo may dispute your cancellation request or claim that your refund calculation is correct when you believe it is unfair. You have formal remedies under Malaysian law.
Escalation step 1: request a written justification from Berjaya Sompo
If the insurer refuses to process your cancellation or reduces your refund without explanation, respond in writing within 5 days requesting a detailed written justification. Cite the policy wording, the short-period rate table, and the Consumer Protection Act 1999. Ask the insurer to provide proof that a claim is outstanding or that you are in breach of the policy terms. Most disputes are resolved at this stage when the insurer is required to justify its position in writing.
Escalation step 2: file a complaint with FCAC (Financial consumer advocacy centre)
If Berjaya Sompo does not respond or maintains its refusal, file a formal complaint with the Financial Consumer Advocacy Centre, which is part of Bank Negara Malaysia. You can lodge a complaint online at www.bnm.gov.my/fcac or by post to:
Financial Consumer Advocacy Centre
Level 3, Sasana Kijang
2, Jalan Dato Onn
50480 Kuala Lumpur
Malaysia
FCAC will investigate the dispute at no cost to you within 60 days. The centre has authority to compel Berjaya Sompo to honour your cancellation request or justify its refusal in a formal hearing. If the centre rules in your favour, Berjaya Sompo must comply with the decision, and you may be awarded compensation for the delay.
Escalation step 3: seek legal advice or engage yafee escalation support
If the FCAC ruling is disputed or if Berjaya Sompo fails to comply, you may engage a lawyer to send a formal demand letter. Alternatively, Yafee offers escalation support that guides you through the FCAC process and provides template letters for each stage. Yafee has helped thousands of consumers cancel insurance policies and recover refunds by managing escalations systematically and documenting every interaction with the insurer.
Cancellation address and contact details
Send your written cancellation notice to this address:
Berjaya Sompo Insurance Berhad
Level 36, Menara Bangkok Bank
105, Jalan Ampang
50450 Kuala Lumpur
Malaysia
Email: [email protected]
Phone (Malaysia): 1-800-88-9933
Phone (Overseas): +603-2170-7300
Live Chat: Facebook Messenger (Berjaya Sompo)
Customer service hours: Monday to Friday, 8:30 am to 5:00 pm (excluding public holidays)
For escalations, contact the Financial Consumer Advocacy Centre:
FCAC (Bank Negara Malaysia)
Level 3, Sasana Kijang
2, Jalan Dato Onn
50480 Kuala Lumpur
Malaysia
Website: www.bnm.gov.my/fcac
Summary and next steps
Cancelling a Berjaya Sompo car insurance policy is straightforward if you follow the written notice procedure, understand short-period rate deductions, and keep copies of all documents. Your legal right to cancel is protected by the Consumer Protection Act 1999, and Bank Negara Malaysia enforces your rights through FCAC if the insurer refuses.
The key steps are: gather your policy details and Certificate of Insurance (or apply for a Statutory Declaration if lost), draft a formal cancellation letter, send it by email to [email protected] or registered post to the head office, follow up within 10 days, request written confirmation of the refund calculation, and escalate to FCAC if the insurer does not respond within 30 days.
Yafee has helped thousands of consumers cancel insurance policies and recover refunds by providing clear guidance, legal support, and escalation assistance when insurers delay or dispute cancellations. Use Yafee's cancellation templates and timeline tracker to ensure you stay on track and receive your refund within the statutory timeframe. Your cancellation is your right; exercise it confidently by following this guide and the law.
Important warning
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