Pay Later with PayLater (DuitNow QR)

Cash flow tight this month? Renew today and spread the cost: scan, choose your PayLater app, done.

Why PayLater

Renew now. Pay on your own schedule.

Cash flow tight this month? Don't let your insurance, takaful, or road tax lapse over timing. HOI's checkout supports DuitNow QR, so you can renew today and settle the cost later through ShopeePayLater, Grab PayLater, Atome, or any other DuitNow QR-compatible PayLater app. Scan, choose your provider, and you're covered now; pay later on terms your provider sets.

How it works

  1. Complete your renewal details

    Enter your vehicle plate number or IC with HOI as usual and get your instant insurance, takaful and road tax quote.

  2. Select 'eWallet' at checkout

    On the payment page, choose the eWallet option instead of card or online banking.

  3. Choose 'DuitNow QR'

    Pick DuitNow QR from the list of eWallet options shown on screen.

  4. Scan with your PayLater app

    Open ShopeePayLater, Grab PayLater, Atome, or any other DuitNow QR-compatible PayLater app, then scan the QR code shown.

  5. Confirm: you're covered

    Approve the payment in your app. Your insurance, takaful and road tax are processed instantly, no waiting.

HOI checkout eWallet options including DuitNow QR for PayLater apps
Select "eWallet" → "DuitNow QR" at checkout.
DuitNow QR scan screen on HOI checkout for PayLater payment
Scan with your PayLater app to complete payment.

HOI does not provide financing or PayLater credit directly. Approval, repayment schedule, and any fees are determined entirely by your chosen PayLater provider. Review their terms before confirming.

Frequently asked questions

PayLater with HOI

PayLater lets you split the cost of your HOI renewal into installments through a third-party provider, while your insurance, takaful and road tax are processed immediately. At HOI's checkout, select eWallet → DuitNow QR, then scan with your PayLater app to complete payment.

Any PayLater provider that supports DuitNow QR scanning, including ShopeePayLater, Grab PayLater, and Atome. Open the app, find its 'Scan & Pay' or DuitNow QR option, and scan the code shown at HOI checkout.

No. HOI charges the same price whether you pay by PayLater, card, or any other method. Any installment, processing, or interest fees are set by your PayLater provider. Check their app for the exact terms.

Yes. The moment your PayLater app confirms the QR payment, HOI issues your policy and processes your road tax, exactly the same as paying upfront.

Other ways to pay

Other Payment Methods

Maybank2u (M2U Bills)Maybank2u (M2U Bills)Pay straight from your Maybank app. We're a listed biller.JomPAY (Biller 11999)JomPAY (Biller 11999)Biller Code 11999: works with 40+ banks.Credit / Debit CardCredit / Debit CardVisa, Mastercard, Amex: instant and familiar.Express CheckoutGoogle Pay & Apple Pay: tap and done.Maybank EzyPayMaybank EzyPay0% installment on your Maybank credit card.Payment MethodsSee every way to pay HOI.

Ready to renew now?

Get an instant insurance, takaful and road tax quote in minutes. Pay with whichever method suits you at checkout.

Car Insurance & RoadtaxMotorcycle Insurance & Roadtax

Not ready yet?

Set a free reminder and we'll WhatsApp, SMS and email you before your insurance or road tax expires, so you can pay when the time is right.

Set a Free Renewal Reminder

Payments are processed securely. See our Refund Policy for cancellation terms.