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Cancel Berjaya Sompo: The Right Way
Learn how to cancel your Berjaya Sompo policy smoothly. Get insights on refunds and support. Rated 4.8/5. Start your cancellation today!
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How to cancel Berjaya Sompo car insurance and reclaim your money
What Berjaya Sompo insurance is and why you might cancel
Berjaya Sompo Insurance Berhad is a regulated general insurer serving Malaysian drivers with motor and home coverage. You pay an annual premium for insurance protection, not a subscription you can pause or skip a month. When you decide to cancel, you are terminating a legal contract, which means your refund depends on how much of your policy year remains and whether you have made a claim.
Berjaya sompo's place in malaysia's insurance market
Berjaya Sompo operates from Level 36, Menara Bangkok Bank, 105 Jalan Ampang, 50450 Kuala Lumpur, Malaysia. The company is licensed by the Bank Negara Malaysia (BNM), the financial regulator, which means your policy and cancellation rights are protected under Malaysian law. For Malaysian car owners, Berjaya Sompo offers motor coverage with annual renewal terms and customer support during weekdays from 8:30 am to 5:00 pm.
This is not a digital app you delete with one tap. You are cancelling a formal insurance contract that requires written notice, your policy documents, and a clear cancellation date. Therefore, the process takes more care and planning than online subscription cancellations.
What you actually pay for and what drives refunds
Berjaya Sompo's motor plans, including MotorSafe Plan A and Plan B, offer third-party liability coverage, damage protection, and optional add-ons. Your premium is locked in for 12 months from the policy start date. If you cancel early, your refund is not based on simple pro-rata maths (unused days divided by 365). Instead, Berjaya Sompo uses short-period rates, which are higher deductions for early cancellation than many customers expect.
This matters because a policyholder who cancels after 3 months might receive only 50-60% of the unused premium, not the 75% they calculated. As a result, it is vital you understand this rule before you send your cancellation request. At Tocancel, we guide you through these deductions so you are not surprised by your refund amount.
When you should consider cancelling Berjaya Sompo
Common reasons to cancel include switching to a cheaper insurer, no longer needing the coverage (car sold or off the road), or dissatisfaction with claims handling. You have the right to cancel at any time, but the sooner you do it after discovering a cheaper quote, the smaller your loss. If you have not made a claim and your policy is still active, Tocancel recommends cancelling before month 4 to maximise your refund under short-period rules.
One key rule: if you have already made a claim on your policy, Berjaya Sompo will not refund your premium. This is standard across Malaysian insurers and is stated in policy wording. Check your claims history before requesting cancellation.
Your cancellation rights under malaysian consumer law
You have clear legal rights when cancelling insurance in Malaysia, backed by the Consumer Protection Act 1999 (CPA 1999) and BNM's Insurance Services Act 2015.
What the law says about insurance cancellation
Under the CPA 1999, you have the right to cancel most consumer contracts, including insurance policies. The law gives you protection against unfair contract terms and hidden charges. For insurance specifically, the BNM expects all insurers-including Berjaya Sompo-to honour cancellation requests made in writing and to process refunds within a stated timeframe, usually 30 days. In practice, this means Berjaya Sompo cannot refuse your cancellation request or charge a hidden cancellation fee (though short-period deductions are permitted and standard).
Your legal position is straightforward: you own the right to cancel, the insurer must acknowledge receipt, calculate your refund fairly, and pay it within 30 days. If Berjaya Sompo delays beyond this or refuses without legal cause, you can escalate to BNM's Financial Mediation Bureau (FMB).
Your legal protections if Berjaya Sompo refuses
If Berjaya Sompo denies your cancellation or withholds your refund without a valid reason (such as an outstanding claim), you have recourse. The Financial Mediation Bureau (FMB) handles disputes between consumers and licensed financial institutions, including insurers. Tocancel advises you to document every communication with Berjaya Sompo-emails, phone call notes, and the dates you sent them-because the FMB will ask for proof of your cancellation request and the company's response.
You do not need a lawyer to file an FMB complaint, and there is no cost to you. This escalation power is why written communication with Berjaya Sompo is so important; it creates a record the FMB can review.
How to cancel Berjaya Sompo step by step
Cancellation at Berjaya Sompo requires written notice, your Certificate of Insurance, and a clear request. Follow these steps to ensure your cancellation is processed without delays.
Gather your documents before you cancel
Start by collecting the paperwork you need. Tocancel recommends you have the following ready:
- Your policy number (on your Certificate of Insurance or renewal notice)
- Your full name and NRIC or passport number
- Your vehicle registration number (if cancelling a motor policy)
- Your Certificate of Insurance (original or a photocopy)
- Your contact phone number and email address
- Payment proof (receipt or bank statement showing your last premium payment)
If you have lost your Certificate of Insurance, you must prepare a certified Statutory Declaration confirming it was lost or destroyed. You can obtain this from a Commissioner for Oaths (usually available at law firms, the courts, or your local land office) for a small fee, typically RM10-30. Take a photo of this declaration as proof.
Submit your written cancellation notice
You must send your cancellation request in writing. Berjaya Sompo accepts cancellation by post or email. Follow these steps:
- Write a clear cancellation letter (or email) that includes:
- Your full name and NRIC number
- Your policy number
- Vehicle registration number (if applicable)
- The date you want cancellation to take effect
- A statement: "I request cancellation of my policy effective [date]"
- Your reason for cancellation (optional but helpful)
- Your contact number and email address
- Attach a scan or photocopy of your Certificate of Insurance (or your certified Statutory Declaration if lost)
- Attach a copy of your latest payment proof
- Send the package to Berjaya Sompo at the address below (or email to [email protected])
- Use a tracked courier or registered post so you have proof of delivery
- Keep a copy of everything you send, plus the delivery receipt
Email is faster and leaves a clearer record, so Tocancel recommends emailing your cancellation request to [email protected] with all documents attached as PDFs. Send it during business hours (Monday to Friday, 8:30 am to 5:00 pm) and request a read receipt or phone the customer service line on 1-800-88-9933 the next day to confirm receipt.
Alternative contact methods if email is delayed
If you do not hear back within 3 business days, contact Berjaya Sompo directly:
- Toll-free phone: 1-800-88-9933 (Monday to Friday, 8:30 am to 5:00 pm)
- International: +603-2170-7300
- Email: [email protected]
- Live chat: Facebook Messenger via Berjaya Sompo's official page
When you call, have your policy number ready and ask the agent to confirm they received your cancellation email. Ask for the agent's name, reference number, and a callback contact. Write this down immediately.
Your refund: how much you will get back and when
Your refund depends on when you cancel, whether you made a claim, and Berjaya Sompo's short-period rate table in your policy wording.
How short-period rates reduce your refund
Berjaya Sompo does not refund unused premium on a simple day-by-day basis. Instead, it uses short-period rates, a standard insurance practice in Malaysia. These rates deduct a higher percentage for early cancellation. For example, if you cancel after 1 month, you might lose 15-20% of your premium; after 3 months, 30-40%; after 6 months, 40-50%. This is because the insurer has already processed your policy, issued documents, and held reserves for potential claims.
To find the exact short-period rate applicable to your policy, check your policy wording document or contact Berjaya Sompo. You have the right to ask for this table before you submit cancellation, so you can calculate your expected refund. This is where Tocancel helps: knowing these numbers upfront lets you decide whether cancelling now or waiting until the policy renews makes more financial sense.
When you will receive your refund
Berjaya Sompo is required by BNM regulations to process your refund within 30 days of accepting your cancellation request. In practice, refunds arrive within 2-4 weeks if all documents are correct and no claims are involved. If a claim is under investigation or was paid during your policy year, the refund may be delayed or withheld until the claim is resolved.
The refund goes back to the bank account or payment method you used to pay the premium. If you paid by credit card, it returns as a credit to your card statement, typically within 5-7 business days after Berjaya Sompo processes it.
What stops your refund
You will not receive a refund if:
- You made a claim during the policy year (even if the claim was rejected)
- Outstanding premiums or fees are owed to Berjaya Sompo
- Your policy was already cancelled or lapsed
- You do not provide the Certificate of Insurance or a certified Statutory Declaration
Ask Berjaya Sompo in writing to confirm whether any claims exist on your record before you submit cancellation. This avoids surprises later.
Common mistakes when cancelling Berjaya Sompo
Many customers cancel the wrong way and end up with delayed refunds or smaller payouts than they expected. Tocancel has seen these errors repeatedly, and they are all avoidable.
Mistake 1: calling to cancel without a written follow-up
A phone call to Berjaya Sompo feels convenient, but it leaves no paper trail. If there is a dispute later about whether you requested cancellation, a phone call alone is not proof. Always follow up a phone cancellation request with a written email or letter, and keep the email confirmation.
Mistake 2: not including your certificate of insurance or losing track of it
Berjaya Sompo's stated rule is clear: send the Certificate of Insurance with your cancellation request. If you send your request without it and the company asks for it later, the clock restarts and your refund is delayed. Keep your certificate safe, and if lost, get a certified Statutory Declaration prepared before you submit cancellation.
Mistake 3: cancelling mid-claim
If you have submitted a claim or one is under review, do not cancel your policy. Cancelling during a claim often voids your coverage or results in a forfeited refund. Wait until the claim is resolved, then cancel.
Mistake 4: not calculating your refund upfront
Many customers cancel without knowing how much they will lose. Request the short-period rate table from Berjaya Sompo before you cancel, calculate your refund, and decide if cancelling now is worth the loss. Sometimes waiting 2-3 months to let more of your premium "run" results in a higher refund percentage. Tocancel lets you weigh this decision with real numbers, not guesses.
After your Berjaya Sompo cancellation is complete
Once Berjaya Sompo confirms your cancellation, your policy ends on the effective date you requested. You have a few important tasks to complete.
Verify your policy status and arrange new coverage
A few days after the cancellation effective date, log into Berjaya Sompo's customer portal (if available) and confirm your policy shows as "cancelled" or "lapsed". Do not assume your coverage has ended; verify it. If you own a vehicle, you are legally required to maintain active insurance coverage in Malaysia, so arrange a replacement policy before your Berjaya Sompo coverage ends. Driving uninsured exposes you to fines and criminal liability.
Track your refund
Once you receive Berjaya Sompo's written cancellation confirmation (usually via email), note the date and the promised refund amount. Check your bank or credit card statement 2 weeks later. If the refund has not appeared after 30 days, contact Berjaya Sompo again with your confirmation reference number and ask for a status update. Keep all communications.
Keep records for tax or insurance purposes
Store your cancellation request, Berjaya Sompo's confirmation email, and your refund receipt for at least 2 years. These documents prove you cancelled on the stated date and received your refund, which may be needed for insurance claims, credit checks, or if you dispute a charge later.
Pricing, coverage and comparison at a glance
The table below shows typical Berjaya Sompo motor product tiers and how cancellation impact varies by policy age.
| Product | Typical annual premium | Coverage type | Refund after 3 months (approx) | Refund after 6 months (approx) |
|---|---|---|---|---|
| MotorSafe Plan A | RM 400-600 | Third-party + own damage | 55-65% | 40-50% |
| MotorSafe Plan B | RM 600-850 | Third-party + own damage + add-ons | 55-65% | 40-50% |
| Budget tier (low-mileage) | RM 300-450 | Basic third-party liability | 55-65% | 40-50% |
| Premium tier | RM 850-1,200 | Full cover + roadside assistance | 55-65% | 40-50% |
| Note: Premiums and refund percentages are indicative. Actual amounts depend on your vehicle, age, claims history, and the short-period rate table in your policy. Check your policy wording or contact Berjaya Sompo for exact figures. If you have made a claim, no refund applies. | ||||
Checklist: cancelling Berjaya Sompo safely
Use this checklist to ensure you cancel correctly and do not miss a step.
| Task | Status | Notes |
|---|---|---|
| Collect policy number, NRIC, vehicle registration | ☐ | Have these ready before you start |
| Check for claims on your policy with Berjaya Sompo | ☐ | If any claim exists, wait until resolved before cancelling |
| Request short-period rate table from Berjaya Sompo | ☐ | Calculate your expected refund before submitting cancellation |
| Locate your Certificate of Insurance (or prepare certified Statutory Declaration if lost) | ☐ | This is required for your cancellation request |
| Compose cancellation letter with policy details and effective date | ☐ | Write clearly; include all required information |
| Email cancellation request to [email protected] with all attachments | ☐ | Use tracked email or request read receipt; keep a copy |
| Follow up by phone within 3 business days if no confirmation received | ☐ | Call 1-800-88-9933 and note agent name + reference number |
| Verify cancellation effective date in Berjaya Sompo's confirmation email | ☐ | Ensure the date matches your request |
| Arrange replacement insurance before your coverage ends | ☐ | You must not drive uninsured in Malaysia |
| Check for refund in your bank account after 2-4 weeks | ☐ | If missing after 30 days, escalate to BNM's FMB |
| Store all cancellation documents for 2 years | ☐ | Keep emails, confirmations, refund receipts |
Why tocancel exists and how we help you cancel
Tocancel was created because thousands of Malaysian consumers get stuck cancelling insurance, subscriptions, and memberships every year. You know you want to leave, but the company makes it deliberately hard: vague instructions, hidden fees, forms that go nowhere, or refunds that take months. The result is frustration and lost money.
At Tocancel, we cut through that. We translate your legal rights into clear, actionable steps. We tell you exactly what documents you need, where to send them, what to expect, and how to push back if the company refuses. We cite Malaysian consumer law and show you the escalation path to regulators like BNM's Financial Mediation Bureau. We also help you avoid the mistakes that delay your refund or shrink your payout.
Tocancel has helped thousands of consumers cancel Berjaya Sompo, gym memberships, phone contracts, and credit cards. We give you the confidence to act, because you have the law on your side.
Final contact details and your next step
You now have the knowledge to cancel Berjaya Sompo safely. Here is where to send your cancellation and whom to contact if the company delays or refuses.
Berjaya Sompo contact and mailing address
Mailing Address:
Berjaya Sompo Insurance Berhad
Level 36, Menara Bangkok Bank
105 Jalan Ampang
50450 Kuala Lumpur
Malaysia
Email: [email protected]
Toll-free phone: 1-800-88-9933
International phone: +603-2170-7300
Support hours: Monday to Friday, 8:30 am to 5:00 pm (excluding public holidays)
Live chat: Facebook Messenger (Berjaya Sompo official page)
If Berjaya Sompo refuses or delays your refund
Escalate to the Bank Negara Malaysia's Financial Mediation Bureau (FMB) if Berjaya Sompo does not process your cancellation within 30 days, refuses your request without legal cause, or withholds your refund unfairly. The FMB resolves disputes between consumers and licensed financial institutions at no cost to you.
FMB contact:
Financial Mediation Bureau
Level 14, Bank Negara Malaysia
Jalan Dato Onn
50480 Kuala Lumpur
Malaysia
Phone: 1-300-88-5465
Email: [email protected]
Website: www.fmb.org.my
You have the legal right to cancel your Berjaya Sompo policy, and you have the right to a fair refund under the Consumer Protection Act 1999 and BNM's regulations. Start your cancellation today using the steps in this guide, track your refund, and escalate if needed. Tocancel is here to empower you with clear information and your rights in plain language. Take action now, and reclaim your money.