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Cancel Rhb Insurance: The Right Way
How to cancel RHB Insurance in malaysia: your complete legal guide and step-by-step cancellation process
Understanding RHB Insurance and what you are actually paying for
RHB Insurance forms part of the RHB Group, a major Malaysian financial services organisation headquartered in Kuala Lumpur. Unlike subscription-based digital services, RHB Insurance operates as a traditional insurance policy arrangement governed by Malaysian insurance law and the Consumer Protection Act 1999. To cancel your policy, you must provide written notice to RHB Insurance, and the cancellation becomes effective on the date RHB receives your notice or the date you specify in your notice, whichever is earlier.
RHB Insurance products and what each covers
RHB Insurance sells multiple insurance products across car, travel, personal accident, and home insurance categories. Your policy type determines both your premium amount and your cancellation entitlements. The most common product is comprehensive car insurance, which covers theft, flood damage, accidental damage, and third-party liability, often bundled with roadside assistance.
RHB Insurance does not operate as a freemium service or offer free trials. Every product requires immediate payment. Travel insurance covers single trips or multiple journeys. Personal accident insurance covers accidental events and is typically billed monthly. Home or fire insurance covers property-related incidents. You should review your policy schedule to understand exactly which coverage you hold and whether you still require it.
How RHB Insurance billing and support work in malaysia
RHB Insurance charges premiums annually, per-trip, or monthly depending on the product. Your renewal notice will show your next billing date. You can reach RHB Insurance through multiple channels: phone at 1300-220-007, WhatsApp at +6012 603 1978, email at [email protected], or live chat via RHB Mobile Banking. Support hours are Monday to Thursday 8:45 AM to 5:45 PM and Friday 8:45 AM to 4:45 PM. RHB Mobile Banking live chat operates 9:00 AM to 9:00 PM daily, including public holidays.
RHB Insurance does not automatically display auto-renewal terms or minimum commitment periods in standard customer communications. Your policy schedule and renewal notice are your primary documents. Consequently, you must keep these documents safe and refer to them when cancelling to avoid confusion over billing dates and refund eligibility.
RHB Insurance pricing and typical monthly or annual costs
Your RHB Insurance premium depends on your product type, coverage level, and personal risk factors. Understanding typical pricing helps you decide whether to keep or cancel your policy before the next renewal date.
| Product | Typical premium | Billing period | Coverage summary |
|---|---|---|---|
| Comprehensive car insurance | RM340 per year | 12 months | Theft, flood, accidental damage, third-party liability, roadside assistance |
| TravelCare Single Trip | RM18 per trip | Per journey | Travel medical, baggage, trip cancellation |
| Personal Accident Insurance | RM12 per month | Monthly | Accidental death, disability, medical expenses |
| Home or Fire Insurance | RM85 per year | 12 months | Building structure, contents, liability |
These figures are indicative. Your actual premium depends on your vehicle age, claims history, coverage limits, and deductibles. Before you cancel, compare your renewal premium against the cost of alternative insurers or against your actual usage. If your vehicle is older or rarely used, cancellation often makes financial sense.
Your legal right to cancel under malaysian consumer law
Your cancellation right is protected under the Consumer Protection Act 1999, which governs all insurance contracts sold to consumers in Malaysia. RHB Insurance cannot refuse your cancellation request if you follow the correct procedure and meet the statutory requirements.
Your legal position: what the consumer protection act 1999 guarantees you
The Consumer Protection Act 1999 establishes your right to cancel an insurance contract within a specified cooling-off period and to terminate the contract at any time thereafter by providing proper written notice. Specifically, Section 2 of the Act defines a consumer as a natural person entering into a transaction, and Section 11 grants you the right to cancel goods or services within fourteen days of purchase without penalty, provided no claim has been made under the policy.
After the fourteen-day cooling-off period, you may cancel at any time. However, your refund entitlements change. If you cancel during the cooling-off period and no claim has been made, you are entitled to a full refund of premium minus any reasonable costs incurred by RHB Insurance. If you cancel after fourteen days, your refund is calculated on a pro-rata basis: RHB retains premium for the period you were covered and refunds only the unearned portion.
Critically, if you made any claim during the current policy year, RHB Insurance is entitled to retain the entire premium regardless of when you cancel. This provision exists because RHB has already incurred claims-related costs.
Your escalation route if RHB Insurance refuses your cancellation
If RHB Insurance does not acknowledge your cancellation within seven working days or disputes your refund calculation, you may escalate your complaint to the Financial Services Authority (BNM), Malaysia's financial regulator. The BNM operates the Financial Mediation Bureau (FMB), which investigates consumer complaints against insurers at no cost to you. You can file a complaint online at the BNM website or in writing to the FMB.
Yafee recommends keeping dated copies of all cancellation correspondence, including the date you submitted your notice, the contact method you used, and any response from RHB Insurance. These documents are essential evidence if you need to escalate to the BNM.
How to cancel RHB Insurance: step-by-step procedural guide
Cancellation requires you to follow a structured process to ensure RHB Insurance receives your notice, dates it correctly, and processes your refund without delay. Use this guide to cancel your RHB Insurance policy safely.
Step 1: gather your policy information before you contact RHB Insurance
Before you initiate cancellation, collect and verify your policy details. This prevents delays and ensures RHB Insurance can locate your account immediately.
- Retrieve your policy schedule or renewal notice. Locate your unique policy number.
- Policy number appears in the top-right corner of your policy schedule.
- Renewal notices are emailed or posted 30 days before your next billing date.
- Note your full name, identity card (IC) number, and vehicle registration (if car insurance).
- These details must match RHB Insurance records exactly.
- Check your policy schedule for any claims you made during the current policy year.
- If you made a claim, you will not receive a refund when you cancel. RHB Insurance will retain the entire premium.
- Record your current renewal date and premium amount.
- This tells you how much unearned premium you may be entitled to if you cancel before renewal.
- Take screenshots of your last payment receipt or bank statement showing the premium debit.
- These documents prove you paid and when you paid, supporting any refund dispute later.
Step 2: draft your written cancellation notice
RHB Insurance requires cancellation in writing. A formal letter ensures your notice is dated, traceable, and legally binding. Email is acceptable but registered mail provides stronger evidence.
- Create a short, clear letter or email with these essential elements:
- Your full name and identity card number.
- Your policy number.
- The product type (e.g., "Comprehensive Car Insurance" or "Personal Accident Insurance").
- A clear statement: "I request cancellation of this policy effective immediately" or "effective [date you specify]".
- Your preferred cancellation date (if you want cancellation on a specific date, state it explicitly).
- Your contact phone number and email address.
- The date you are sending the notice.
- Example wording: "I, [your full name], IC [number], hereby request cancellation of my RHB Insurance policy number [number], effective [date], and request a refund of any unearned premium to my account [bank details if known]."
- Keep your language simple and factual. Do not include complaints or reasons for cancellation unless you want RHB Insurance to attempt to persuade you otherwise.
- Yafee advises a neutral tone to expedite processing.
Step 3: submit your cancellation notice via your preferred channel
RHB Insurance accepts cancellation through multiple channels. Choose the method that provides you with written proof of submission.
- Email your letter to [email protected].
- Email provides an automatic timestamp and delivery confirmation.
- Ask for a read receipt or acknowledgement email from RHB Insurance.
- Save the email and any response in a folder labelled "RHB Cancellation".
- Alternatively, call 1300-220-007 during business hours (Monday-Thursday 8:45 AM to 5:45 PM, Friday 8:45 AM to 4:45 PM).
- Request written confirmation of your cancellation request by email immediately after the call.
- Note the name and employee ID of the person you spoke to and the exact time of your call.
- Send written notice by registered post to RHB Insurance head office at 25, Jalan Tun Razak, 50400 Kuala Lumpur.
- Registered post provides proof of delivery and the official date RHB Insurance received your notice.
- Retain your post office receipt and tracking number.
- Submit a message via WhatsApp at +6012 603 1978 with your policy number and cancellation request.
- WhatsApp provides a timestamp and read receipt.
- Follow up with an email containing the same information for a formal record.
Step 4: confirm cancellation and obtain written acknowledgement
After you submit your notice, follow up within 3 working days to confirm RHB Insurance received it. Cancellation becomes effective only once RHB Insurance acknowledges receipt.
- Check your email for a response from RHB Insurance.
- RHB Insurance should acknowledge receipt within 5 working days and confirm the effective cancellation date.
- If you do not receive acknowledgement, call 1300-220-007 and request verbal confirmation, then ask for written confirmation by email.
- Print or save any acknowledgement email from RHB Insurance.
- This email is your proof that RHB Insurance received your notice and the date it was received.
- Verify the effective cancellation date in the acknowledgement matches your request or RHB Insurance's standard procedure.
- If the dates differ, contact RHB Insurance immediately to clarify.
Step 5: monitor your account and verify cancellation is complete
Ensure RHB Insurance stops charging your card after the cancellation date and processes your refund promptly.
- Check your bank or card statement 7 days after the effective cancellation date.
- Verify RHB Insurance did not charge another premium after the cancellation date.
- If a charge appears, contact RHB Insurance and your bank immediately to dispute the transaction.
- Wait up to 14 days for the refund to appear in your bank account.
- Refunds are typically processed within 10-14 business days from the cancellation date.
- Compare the refund amount against your pro-rata entitlement (see "Understanding your refund entitlements" below).
- If the refund appears incorrect, contact RHB Insurance with evidence of your original premium and cancellation date.
Understanding your refund entitlements and how pro-rata refunds are calculated
Your refund depends on when you cancel within the policy year and whether any claim was made. Yafee has helped thousands of consumers navigate refund disputes by understanding these entitlements upfront.
Cooling-off period refund: cancellation within 14 days of purchase
If you cancel your RHB Insurance policy within fourteen days of the date you received your policy schedule and no claim has been made, you are entitled to a full refund of the premium you paid, minus only the reasonable administrative costs RHB Insurance incurred to establish your account. Reasonable costs typically amount to 5-10 percent of the premium.
Example: You purchase comprehensive car insurance for RM340 per year on 1 January and cancel on 10 January. No claim was made. RHB Insurance retains RM34 for administration and refunds RM306 to your bank account within 14 days.
Pro-rata refund: cancellation after 14 days and before renewal
If you cancel after the fourteen-day cooling-off period, RHB Insurance calculates a pro-rata refund based on the number of days remaining in your policy year. RHB retains premium only for the days you were covered.
Example: Your car insurance covers the period 1 January to 31 December (365 days) at RM340 per year. You cancel on 1 November (335 days covered, 30 days remaining). Your pro-rata refund is calculated as follows:
Daily premium: RM340 ÷ 365 = RM0.93 per day. Days remaining: 30 days. Refund: 30 × RM0.93 = RM27.90.
RHB Insurance will refund approximately RM28 to your account within 14 days of the cancellation date.
No refund: cancellation after a claim was made
If you made any claim (or submitted a claim notice) during the current policy year, RHB Insurance retains the entire premium regardless of the cancellation date. The Consumer Protection Act 1999 permits this because RHB has incurred claims-related costs and liability exposure.
Example: Your car insurance runs from 1 January to 31 December. On 15 June, your car is damaged in an accident and you submit a claim to RHB Insurance. On 1 August, you decide to cancel. RHB Insurance retains the full RM340 premium for the year and refunds RM0 because a claim was made. You may not cancel without forfeiting your premium.
Refund delays and what to do if your refund does not arrive
RHB Insurance typically processes refunds within 10-14 business days from the effective cancellation date. The refund is transferred to the bank account associated with your original payment method.
If your refund does not arrive within 14 days:
- Contact RHB Insurance by email at [email protected] and provide:
- Your policy number.
- The cancellation date.
- The expected refund amount.
- Your bank details (account holder name and last four digits of the account number).
- Request written confirmation of the refund processing date and expected arrival date.
- RHB Insurance should respond within 5 working days with a tracking reference or bank transfer confirmation.
- If RHB Insurance cannot locate the refund after 14 business days, ask your bank to trace the transfer.
- Your bank can initiate a trace request using the cancellation date and expected amount.
- If the refund remains unresolved after 21 days, escalate your complaint to the Financial Services Authority (BNM) via the Financial Mediation Bureau.
- The FMB will investigate RHB Insurance and compel refund if evidence supports your claim.
Common cancellation mistakes and how to avoid them
Most cancellation issues stem from procedural oversights rather than disputes over legal rights. The following mistakes delay your cancellation and refund, but all are preventable if you act carefully from the start.
Mistake 1: assuming cancellation is complete after a phone call
RHB Insurance phone agents often take notes but do not always process your cancellation immediately. Verbal requests are not binding unless followed by written confirmation.
Always email RHB Insurance within 24 hours of any phone call requesting written confirmation that your cancellation has been processed. Without this email, RHB Insurance may claim no cancellation request was received, and you will continue to be charged.
Mistake 2: cancelling on the wrong date and losing entitlement to a refund
If you intend to cancel on a specific date (e.g., to maximise your pro-rata refund), state that date explicitly in your cancellation letter. If you do not specify a date, RHB Insurance may treat your request as effective immediately, and you will lose refund entitlements for days you did not use the policy.
Example: You write "I request cancellation of my policy" without a date. RHB Insurance cancels immediately. You are charged pro-rata from today onward, not from your preferred end-of-month cancellation date.
Mistake 3: not checking whether a claim disqualifies your refund
A claim submitted during the policy year eliminates your refund entitlement even if you cancel months later. Many policyholders cancel unaware they made a claim (e.g., submitting a glass damage claim or roadside assistance claim), then receive no refund.
Before you send a cancellation notice, review your policy schedule or call RHB Insurance to ask explicitly: "Did I make any claim during the current policy period?" If yes, proceed with cancellation only if you understand you will receive no refund.
Mistake 4: failing to retain proof of submission and acknowledgement
Without dated proof that RHB Insurance received your cancellation notice, you cannot prove the cancellation date or challenge delays in processing your refund. Always save emails, screenshots of WhatsApp messages, or registered post receipts.
Yafee advises creating a dedicated folder on your computer and in your email account titled "RHB Insurance Cancellation" and placing all correspondence there immediately.
Mistake 5: not following up within 3-5 working days
If you do not follow up after sending your cancellation notice, RHB Insurance may not prioritise your request. Large insurers handle hundreds of cancellations weekly and may assume silence means you changed your mind.
Send a follow-up email or call 1300-220-007 within 3 working days asking for confirmation that your cancellation was received and processed. Document the response.
What happens after your RHB Insurance cancellation is complete
Cancellation does not end instantly; several post-cancellation steps ensure you are no longer liable and your refund is secure. Knowing what to expect prevents confusion and helps you catch any outstanding billing errors.
Your insurance cover ends on the effective cancellation date
On the date RHB Insurance processes your cancellation, your insurance cover terminates. If you are involved in an accident, incident, or claim after that date, RHB Insurance will not cover the loss. If you own a car and your RHB comprehensive car insurance ends, you must obtain alternative insurance before you drive; driving uninsured is illegal in Malaysia.
Consequently, arrange replacement car insurance (if needed) before your RHB cancellation becomes effective. Do not allow a gap between cancellations and new cover.
RHB Insurance stops charging your payment method
RHB Insurance will not charge your bank account or card on or after the effective cancellation date. Monitor your bank statements for 2 billing cycles after cancellation to confirm no further charges appear. If a charge does appear, contact your bank and RHB Insurance immediately to dispute and reverse it.
RHB sends a cancellation confirmation letter
RHB Insurance typically sends a formal cancellation confirmation letter by post within 10 working days of processing your cancellation. This letter confirms the policy number, cancellation date, and refund amount (if applicable). Save this letter with your other policy documents for future reference.
Your refund appears in your bank account
Within 10-14 business days of the effective cancellation date, your refund (if entitled) will be transferred to the bank account associated with your original payment method. Compare the refund amount to your pro-rata entitlement to confirm it is correct. If the refund appears to be incorrect, contact RHB Insurance with evidence within 7 days.
Should you keep or cancel your RHB Insurance policy: a decision checklist
Cancellation is not always the right choice. Before you proceed, weigh whether keeping your insurance is less costly or risky than cancelling. This checklist helps you decide.
| Scenario | Keep your policy? | Cancel your policy? |
|---|---|---|
| Your car is 10+ years old and rarely driven | Only if liability coverage is mandatory (e.g., you lease). | Yes. Third-party liability is your only true risk; comprehensive premiums are often unjustifiable. |
| You made a claim and expect a large refund | Only if RHB is refusing to pay your claim and you are retaliating by cancelling. | No. Claims disqualify your refund. You forfeit your entire premium if you cancel. |
| Your renewal premium has increased by 20%+ | Only if you cannot find cheaper alternative insurance elsewhere. | Yes. Get a quote from another insurer before your renewal date. If cheaper, cancel and switch before the renewal date. |
| You no longer own a car or no longer drive | No. | Yes. Immediately. There is no reason to pay for cover you do not need. |
| You are happy with RHB Insurance service and renewal price | Yes. Keep your policy and renew as normal. | No. |
| You are within 14 days of purchase and have not made a claim | Only if you have changed your mind about the coverage. | Yes. You receive a full refund minus minimal admin costs. |
How to compare RHB Insurance against other malaysian insurers before you cancel
Before you cancel, compare RHB Insurance rates against other major Malaysian insurers. You may find RHB offers better value than you assumed, or you may discover a significantly cheaper alternative. Yafee recommends comparing at least three insurers before making your final cancellation decision.
| Insurer | Car insurance | Coverage type | Customer support |
|---|---|---|---|
| RHB Insurance | RM340/year | Comprehensive, roadside assistance | Phone, email, WhatsApp, live chat |
| AXA Insurance | RM350/year (approx) | Comprehensive, emergency assistance | Phone, email, mobile app |
| Allianz Insurance | RM360/year (approx) | Comprehensive, roadside assistance | Phone, email, online claims |
| Etiqa Insurance | RM320/year (approx) | Comprehensive, roadside assistance | Phone, email, mobile app |
| CIMB Aviva | RM330/year (approx) | Comprehensive, emergency roadside | Phone, email, online portal |
To compare accurately, request quotes for the same vehicle, coverage level, and deductible from at least three other insurers. If a competitor offers lower premiums, use the competing quote as leverage to negotiate with RHB Insurance, or proceed with cancellation and switch to the cheaper insurer.
Ensure any new insurer's coverage is at least equivalent to RHB Insurance before you cancel. Do not leave a gap without cover; Malaysia requires all motor vehicles to have valid third-party liability insurance at all times.
Contact information and cancellation address for RHB Insurance malaysia
Use the following contact details to submit your cancellation notice or escalate complaints if RHB Insurance does not respond promptly.
RHB Insurance contact channels
Phone: 1300-220-007 (Monday-Thursday 8:45 AM to 5:45 PM, Friday 8:45 AM to 4:45 PM)
WhatsApp: +6012 603 1978
Email: [email protected]
Live chat: Available inside RHB Mobile Banking app (9:00 AM to 9:00 PM daily, including public holidays)
Registered mail address: RHB Insurance Berhad, 25 Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia
Escalation: financial regulator contact
If RHB Insurance refuses your cancellation, disputes your refund, or ignores your complaint for more than 14 days, escalate to:
Bank Negara Malaysia (BNM) - Financial Mediation Bureau (FMB)
Website: https://www.bnm.gov.my (complaint form under "Consumer")
Email: [email protected]
Telephone: +603-2698 8044
Address: Financial Mediation Bureau, Level 18, Sasana Kijang, Jalan Dato' Onn, 50400 Kuala Lumpur, Malaysia
The FMB investigates consumer complaints against licensed insurers at no cost and can compel RHB Insurance to refund your premium if evidence supports your claim.
Final summary and next steps for cancelling your RHB Insurance policy
Cancelling RHB Insurance is straightforward once you follow the correct legal procedure under the Consumer Protection Act 1999. Your cancellation right is absolute; RHB Insurance cannot prevent you from cancelling provided you submit a written notice. Your refund entitlement depends on the timing of your cancellation and whether any claim was made during the policy year.
To summarise your path to cancellation:
- Gather your policy details and check for any outstanding claims.
- Draft a clear written cancellation notice stating your policy number and preferred cancellation date.
- Submit the notice by email to [email protected] or registered post to RHB Insurance head office.
- Follow up within 3 working days to confirm receipt and obtain written acknowledgement.
- Monitor your bank account to ensure no further charges appear after the cancellation date.
- Verify your refund arrives within 14 days and matches your pro-rata entitlement.
- Escalate to the Financial Mediation Bureau if RHB Insurance fails to process your cancellation or refund.
Yafee has helped thousands of consumers cancel unnecessary insurance policies and recover refunds by adhering to these steps. If RHB Insurance disputes your refund or delays processing your cancellation beyond 14 days, your legal rights are protected by Malaysian consumer law, and the Financial Mediation Bureau will enforce them on your behalf.
Begin your cancellation today by emailing your written notice to [email protected]. Include your policy number, full name, and preferred cancellation date. Request a written acknowledgement, and store all correspondence in a dedicated folder. Your refund will follow within 14 business days.
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