# HOI Insurance & Takaful

> Online renewal services for car/motorcycle insurance, takaful, and road tax in Malaysia. Free renewal reminders via WhatsApp, SMS, and email.

## Key pages
- [Roadtax Calculator](https://www.hoi.my/roadtaxcalculator): Official JPJ-rate road tax calculator for cars and motorcycles, also exposed as an MCP tool at /mcp/roadtax
- [Car Insurance](https://www.hoi.my/car): Compare car insurance and takaful quotes instantly
- [Motorcycle Insurance](https://www.hoi.my/motorcycle): Compare motorcycle insurance and takaful quotes
- [Accident Assist](https://www.hoi.my/accidentassist): 24-hour accident helpline (1-300-22-1188) operated by PIAM, covers all insurance and takaful brands in Malaysia
- [Payment Methods](https://www.hoi.my/payment-methods): FPX, JomPAY, Maybank2u, Maybank EzyPay, credit card, and PayLater options
- [Partners](https://www.hoi.my/partner): FARA partner-agent network for insurance and takaful agents

## Bahasa Melayu
- [Kira Roadtax](https://www.hoi.my/bm/kira-roadtax): Kalkulator roadtax rasmi mengikut kadar JPJ untuk kereta dan motosikal
- [Insurans & Takaful Kereta](https://www.hoi.my/bm/kereta): Bandingkan sebut harga insurans dan takaful kereta
- [Insurans & Takaful Motosikal](https://www.hoi.my/bm/motosikal): Bandingkan sebut harga insurans dan takaful motosikal
- [Bantuan Kemalangan](https://www.hoi.my/bm/bantuan-kemalangan): Talian bantuan kemalangan 24 jam oleh PIAM
- [Kaedah Bayaran](https://www.hoi.my/bm/kaedah-bayaran): FPX, JomPAY, Maybank2u, Maybank EzyPay, kad kredit, PayLater
- [Rakan Kongsi](https://www.hoi.my/bm/rakan-kongsi): Rangkaian ejen rakan kongsi FARA

## Key facts
- Malaysian road tax rates have not changed since 2009 (set by JPJ, not by insurers)
- HOI issues insurance/takaful policies the moment payment clears
- Free renewal reminders sent 30 days before expiry via WhatsApp, SMS, and email
- HOI Services Sdn Bhd (1178295-W), operating since 2014, JomPAY Biller Code 11999