Anyone used P&O promilej car insurance before?

[q490264]

How does it work and how do you claim? Put mileage on the first day and put mileage at the end of year?

 

[beryybverry]

@q490264 Using it for roughly 2-3 years.

Step 1: Sign up on their page.

Step 2: Take picture of mileage and upload during sign-up process. Done.

Step 3: If needed, you can top-up if you think you're going to exceed the limit, it's not too bad, going from 10km to 15km allocation is about 10% additional based on the initial premiums (from what I see when I try to adjust).

Note, if you top-up, it only lasts till the end of your current insurance policy term, doesn't extend your current policy.

 

[q490264]

@beryybverry If I do 5k then top up to 10k does it make a difference in price if I just straight away go 10k?

 

[beryybverry]

@q490264 Pretty sure it would, but I haven't tested it yet.

Maybe you can check the quotes on a renewal and see how much is the difference between getting a 5K policy vs 10K policy. If it's within 10-15%, maybe you should just go 5K first, then top-up if needed. Depends on how you want it honestly, to me, cash today is worth more than cash tomorrow, so I'll just risk a top-up.

 

[q490264]

@beryybverry Thanks! If u happen to end ur mileage below the threshold do you also get a rebate?

 

[beryybverry]

@q490264 No, it's an upfront rebate, so it's already present in the savings from your insurance premiums when you sign-up/renew.

I heard Etiqa has something similar but way more troublesome (monthly photos). Oh well, P&O is the way to go for now.

 

[q490264]

@beryybverry Ah okok thanks thanks… well since I agree that money today is worth more than money tomorrow, 5k it will be

 

[mattmanticus]

@q490264 All you do is give them record of your milege on day 1, thats it. significant savings....this year i save over 4k using promilej 5k km plan

 

[q490264]

@mattmanticus So on your 5k plan is for 1 year? If u exceed 5k then only top up again?