Manage Aig

How to cancel your AIG car insurance in malaysia and claim your refund

What AIG is and why cancellation matters

AIG is a global insurance brand owned by American International Group, a company founded in 1919 and headquartered in New York. In Malaysia, AIG sells car insurance, travel insurance, and other personal protection products through their local office. The challenge for Malaysian customers is that AIG still requires a manual, written cancellation process-there is no click-to-cancel button on their website or app, which can leave you confused about whether your policy has actually stopped.

This matters because if you cancel incorrectly, you risk continued billing, loss of cover at the wrong moment, or missing out on a refund you are entitled to. At Stopee, we have helped thousands of consumers navigate insurance cancellations without losing money or protection, and we know the traps AIG customers face.

Who AIG serves in malaysia

AIG Malaysia serves drivers, travellers, and families looking for personal insurance cover. Their car insurance typically covers accidents, theft, third-party liability, and additional benefits. Their travel insurance covers trip protection, medical expenses abroad, baggage loss, and travel disruption. Unlike streaming services or app-based subscriptions, AIG policies are traditional insurance contracts-your ability to cancel and claim a refund depends on your policy terms, whether any claim has already been paid, and how long you have held the policy.

Why AIG cancellation is not straightforward

Many customers expect a simple online cancellation portal, but AIG Malaysia requires written notice sent by post or email. This old-school approach means you must actively write, send, and follow up-passivity will not cancel your policy. Additionally, AIG retains a minimum premium of RM50 when you cancel, and the refund calculation uses short-period rates, meaning the longer you have held the policy, the smaller your refund becomes. Understanding this upfront prevents disappointment later.

Your consumer rights when cancelling AIG in malaysia

Malaysia's consumer protection law gives you rights when dealing with AIG, and knowing these rights strengthens your cancellation request and protects your refund.

Consumer protection act 1999 and your cancellation rights

Under the Consumer Protection Act 1999, you have the right to receive clear information about your insurance policy, including cancellation terms, premiums, and refund rules. AIG must provide you with a copy of your policy document and must not mislead you about what you are entitled to upon cancellation. If AIG refuses to refund you or continues billing after you have sent a cancellation notice, you can lodge a complaint with the Malaysian Ministry of Domestic Trade and Consumer Affairs (KPDNKK) or the Financial Services Authority (BNM) if the issue involves unfair charges.

Most importantly, if you send a written cancellation request and AIG does not acknowledge it within 14 days, you have grounds to escalate the matter to KPDNKK. Stopee recommends keeping all proof of communication-emails, screenshots, and copies of letters-because these documents are your evidence if you need to file a complaint later.

What you are entitled to under AIG's refund policy

According to AIG's own policy rules, you are entitled to a refund of your premium when you cancel, provided no claim has been paid against your policy. The minimum premium AIG retains is RM50. The balance is calculated using short-period rates, which means if you cancel early (within the first few months), your refund will be significant, but if you cancel near renewal, your refund shrinks. For example, if you paid RM600 for a 12-month car insurance policy and cancel after 3 months with no claims, you might receive approximately RM420 back (RM600 minus RM50 minimum, minus the short-period charge)-but Stopee advises you to ask AIG for a specific refund quote before you send your cancellation.

How to cancel your AIG policy in malaysia step by step

Follow this proven method to cancel your AIG car insurance or travel insurance without delay or confusion.

Preparation: gather your information before you contact AIG

Do not contact AIG until you have collected the documents and details below. This makes your cancellation letter clear, professional, and harder for AIG to reject or delay.

1. Locate your policy number
   • Check your latest policy renewal letter or email from AIG
   • Look at your Certificate of Insurance if you have a physical copy
   • Search your email for messages from [email protected]
2. Record your personal and policy details
   • Full name as it appears on the policy
   • NRIC or passport number used to open the policy
   • Contact number linked to the account
   • Email address associated with AIG
3. Note vehicle or travel details if applicable
   • Vehicle registration number (for car insurance)
   • Make, model, and year of vehicle
   • Destination country and travel dates (for travel insurance)
4. Find your billing and payment records
   • Take a screenshot of your latest premium payment from your bank or credit card statement
   • Note the exact amount and date you last paid
   • Check whether the next payment is scheduled
5. Locate your Certificate of Insurance
   • Search your email for the document titled "Certificate of Insurance"
   • Check physical mail from AIG if you have it
   • Note whether AIG issued a certificate to you (some policies do not include one)
6. Decide your cancellation date
   • Choose a date at least 7 days from today to give AIG time to process
   • Avoid cancelling on a weekend or public holiday
   • Note the date clearly in your cancellation letter

The official cancellation method for AIG malaysia

AIG Malaysia does not offer online self-service cancellation for car insurance or travel insurance. The only verified method is written notice by post or email. Stopee recommends email because it creates an instant time-stamped record, whereas post can take 5-10 days and is harder to prove.

1. Write your cancellation letter or email
   • Use clear, professional language
   • Address it to "AIG Malaysia Customer Care" or the local office
   • Include your full name, policy number, and contact number at the top
   • State: "I hereby request to cancel my AIG policy number [number] with effect from [date]."
   • Include your preferred cancellation date (at least 7 days ahead)
   • Request written confirmation of the cancellation and refund calculation
   • Keep the letter to under 150 words-brevity is professional
2. Send the email to the correct address
   • Primary email: [email protected]
   • Subject line: "Policy Cancellation Request - [Your Policy Number]"
   • Attach a scanned copy of your Certificate of Insurance if you have one (AIG asks you to return this)
   • Send from the email address linked to your policy account
   • Send during business hours (Monday to Friday, 9am to 5pm Malaysia time) so AIG staff see it immediately
3. If you prefer to post your cancellation
   • Print your cancellation letter on plain paper and sign it
   • Include a photocopy of your Certificate of Insurance
   • Enclose a covering note with your contact number and email
   • Send by registered post to: AIG Malaysia Berhad, [Office Address-see final section]
   • Keep the registered post receipt as proof of posting
4. Follow up by phone if you do not hear back within 7 days
   • Call AIG Malaysia on 1800 88 8811 (within Malaysia) or +603 2118 0188 (outside Malaysia)
   • Ask to speak to a customer service representative
   • Provide your policy number and reference the email or letter you sent
   • Request a written response with the cancellation date and estimated refund
   • Ask them to confirm receipt of your Certificate of Insurance if applicable
5. Save all correspondence
   • Take screenshots of your email receipt and any automated replies
   • Save email responses from AIG to a folder titled "AIG Cancellation"
   • Note the date and time of your phone call and the name of the person you spoke to
   • If you posted your letter, keep the registered post receipt

What happens after you send your cancellation request

Waiting for confirmation can be stressful, especially if you are unsure whether your cancellation went through. Here is what to expect and what you should do.

Timeline and follow-up actions

AIG Malaysia typically acknowledges a cancellation email or letter within 3 to 7 business days. However, processing the full cancellation and issuing a refund can take up to 30 days, depending on whether they need to review any claims history or verify your policy status. Do not assume silence means approval-silence often means delay.

Pro tip: Stopee recommends following up with a phone call 7 days after sending your email, even if you have not heard back. This reminds AIG that your request exists and often speeds up the process.

1. Days 1 to 3: AIG receives and logs your request
   • Your email sits in the AIG inbox or the registered letter arrives at their office
   • You may receive an automated "receipt received" reply
   • No action needed from you yet
2. Days 4 to 7: AIG reviews your policy and refund eligibility
   • AIG checks whether any claims have been filed on your policy
   • They calculate your refund based on the short-period premium rules
   • They prepare a cancellation acknowledgement letter
   • You should receive an email or letter confirming receipt and detailing next steps
3. Days 8 to 14: AIG processes the refund if eligible
   • If you are eligible, AIG initiates a refund to your original payment method (bank account or credit card)
   • You receive a cancellation confirmation letter with the refund amount and expected timeline
   • AIG cancels your policy as of your requested date
4. Days 15 to 30: Refund arrives in your account
   • Bank transfer refunds typically appear within 7 to 10 business days after AIG issues them
   • Credit card refunds may take 2 to 3 billing cycles to appear as a credit
   • Verify that the refund matches the amount quoted by AIG
5. If you do not hear back by day 7: call AIG again
   • Provide your policy number and the date you sent your cancellation request
   • Ask for a specific refund quote and cancellation confirmation date
   • Request that AIG email you a written confirmation within 24 hours
   • If AIG refuses or delays unreasonably, note the agent's name and the time of the call

Verify that your cancellation is complete

Your policy is not truly cancelled until AIG stops billing you and confirms the cancellation in writing. Many customers assume cancellation happened after sending an email, only to discover they were charged again at renewal.

Warning: Do not discard your insurance documents or assume you have no cover until AIG sends written confirmation. Cancellation is only final when you receive a letter or email explicitly stating the cancellation date and refund amount.

1. Check your bank and credit card statements for 60 days after your cancellation date
   • Ensure no new premiums are charged by AIG
   • If a charge appears, contact your bank immediately and dispute it as unauthorized
2. Log into your AIG online account (if available)
   • Verify that your policy shows a "Cancelled" status or an end date
   • Check whether your next renewal date has been removed
3. Search your email for the cancellation confirmation from [email protected]
   • Print or screenshot this email for your records
   • Check the refund amount against your original premium
4. Confirm that your refund has arrived
   • Check your bank account or credit card statement
   • Verify the refund amount matches what AIG quoted
   • If the refund is missing or incorrect, contact AIG within 7 days to dispute it

Refund calculation and what you should receive

AIG's refund policy is based on short-period rates, not prorated daily charges, which means your refund depends heavily on how long you have held the policy.

How AIG calculates your refund

The short-period rate is AIG's way of covering administration costs and risk-it is not a penalty, but it does mean you lose money if you cancel late. Stopee always recommends asking AIG for an exact refund quote in writing before you finalize your cancellation, so you know what to expect.

When AIG will not give you a refund

If any claim has been paid against your policy during the time you held it, AIG will not refund your premium. This is stated in their terms and is standard across Malaysian insurers. For example, if you filed a car accident claim and AIG paid out RM2,000 in repairs, you will not receive a refund when you cancel-the premium covers that payout. Ask AIG directly whether any claims have been made or paid before assuming you are eligible for a refund.

Common mistakes to avoid when cancelling AIG

Cancellation mistakes cost money and delay your refund, and many AIG customers repeat the same errors because they do not know the process.

Traps that delay or prevent your cancellation

1. Assuming a phone call alone cancels your policy
   • AIG requires written notice, not just a verbal request
   • Always follow up a phone call with an email confirmation
   • Without written proof, AIG can claim they never received your request
2. Sending your cancellation request during non-business hours
   • AIG customer service is open Monday to Friday, 9am to 5pm only
   • Emails sent on Friday evenings or weekends are not processed until Monday
   • Send your request on a Tuesday or Wednesday morning for fastest response
3. Forgetting to include your policy number or contact details
   • AIG receives hundreds of cancellation requests; without your policy number, they cannot find your account
   • Always include your full name, policy number, and contact number in your first line
   • Without these, your request will be rejected or delayed
4. Not mentioning a specific cancellation date
   • If you do not state a cancellation date, AIG may cancel effective immediately-leaving you without cover
   • Or they may delay processing because they do not know when you want the policy to end
   • Always write: "Please cancel my policy with effect from [specific date]"
5. Warning: Failing to return your Certificate of Insurance
   • AIG may withhold part of your refund if you do not return the physical certificate
   • Include a photocopy of the certificate with your cancellation letter or email
   • If you have lost the certificate, mention this in your cancellation request and ask whether it affects your refund
6. Expecting a refund if a claim was paid
   • Many customers do not realize that claiming on their insurance forfeits their refund
   • Check with AIG whether any claim has been paid before you assume you are eligible for a refund
   • If a claim was paid, you have already received your money's worth from the policy
7. Cancelling without noting your next billing date
   • If you cancel after your renewal date has passed, you may be charged a fresh premium
   • Check your renewal letter and cancel at least 14 days before the renewal date
   • If you miss the renewal window, contact AIG to ask whether you can cancel retroactively
8. Not following up when you do not hear back within a week
   • Silence from AIG does not mean approval; it usually means your request is stuck in a queue
   • Call AIG on day 7 if you have not received a response email
   • Provide the date you sent your original request so AIG can locate it immediately

Comparing AIG cancellation with other malaysian insurers

Understanding how AIG's cancellation process compares to other car insurers helps you choose the right insurer if you are shopping around in the future.

Cancellation process comparison

AIG's written-notice requirement is typical for traditional insurers, whereas some newer insurers like May Insurance offer online cancellation buttons. If you prefer more flexibility and faster cancellation in the future, research whether your next insurer offers self-service options.

Checklist: before and after your AIG cancellation

Use this checklist to ensure you do not miss any step and to stay organized throughout the cancellation process.

Before you send your cancellation request

• Policy number and policyholder name confirmed
• NRIC or passport number used for the policy recorded
• Vehicle registration number (for car insurance) noted
• Latest payment amount and date recorded
• Certificate of Insurance located and photocopied (if issued)
• Preferred cancellation date chosen (at least 7 days ahead)
• Screenshots taken of policy documents and payment records
• Cancellation letter or email drafted and proofread
• AIG Malaysia customer service email ([email protected]) verified

After you send your cancellation request

• Email screenshot saved with timestamp
• Automated receipt reply from AIG saved
• 7-day follow-up phone call scheduled on your calendar
• AIG's confirmation email received and printed
• Refund amount quote noted and checked against original premium
• Bank or credit card statements checked for new charges
• Refund received and verified within 30 days of cancellation
• All correspondence filed in a folder (physical or digital)
• Policy status checked on AIG website to confirm "Cancelled" status
• If refund is missing or incorrect, complaint filed with KPDNKK within 14 days

What to do if AIG refuses to cancel or delays your refund

If AIG ignores your cancellation request or withholds your refund without explanation, you have consumer rights and escalation routes.

Escalation steps if AIG does not cooperate

1. Document every communication attempt
   • Date and time of your email send
   • Date and time of any phone calls, including agent name
   • Copies of all emails, letters, and screenshots
2. Send a formal written demand to AIG
   • Write a letter stating: "I sent a cancellation request on [date] and have not received a response or refund as of [today's date]. Please provide written confirmation of my cancellation and refund status within 7 days."
   • Send this letter by registered post or email with a read receipt
   • Keep the registered post receipt or email read receipt
3. If AIG does not respond within 7 days, file a complaint with KPDNKK
   • Visit the Ministry of Domestic Trade and Consumer Affairs website (kpdnkk.gov.my)
   • File a complaint online or call 1800-886-800 (toll-free)
   • Include all your documentation: cancellation request, email receipts, bank statements, and AIG's responses
   • KPDNKK will investigate and pressure AIG to resolve the issue
4. If the dispute involves financial charges, escalate to Bank Negara Malaysia (BNM)
   • Contact BNM's Consumer Affairs office if AIG continues to charge you after cancellation
   • BNM oversees insurance company conduct and can impose penalties
5. Consider filing a chargeback or reversal with your bank
   • If AIG charges you after your cancellation date, contact your bank immediately
   • Request a chargeback (for credit card) or reversal (for bank transfer)
   • Provide your bank with copies of your cancellation request and AIG's confirmation date
   • Banks typically reverse unauthorized charges within 5 to 10 business days

Stopee recommends documenting every step so that if you need to escalate to KPDNKK or your bank, you have irrefutable proof that you tried to cancel and AIG failed to cooperate.

Key takeaways: cancel your AIG policy with confidence

Cancelling your AIG car insurance or travel insurance in Malaysia does not have to be complicated, but it requires you to be proactive and organized. You must send written notice to [email protected] or by post, provide your policy number and cancellation date, and follow up with a phone call if you do not hear back within 7 days. Your refund is guaranteed under the Consumer Protection Act 1999, provided no claim has been paid on your policy. The minimum AIG retains is RM50, and the balance depends on the short-period rate and how long you have held the policy.

Stopee's team of cancellation experts has guided consumers through hundreds of insurance cancellations, and we know that clear documentation, timely follow-up, and knowledge of your consumer rights make the difference between a smooth cancellation and a frustrating delay. If AIG refuses to cancel or withholds your refund, KPDNKK and your bank are your allies.

Contact AIG malaysia to send your cancellation

Send your written cancellation request to:

• Email: [email protected]
• Subject line: "Policy Cancellation Request - [Your Policy Number]"
• Phone (Malaysia): 1800 88 8811
• Phone (Outside Malaysia): +603 2118 0188
• Hours: Monday to Friday, 9am to 5pm (excluding public holidays)
• Postal address: AIG Malaysia Berhad, Level 8, Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, Malaysia

Stopee has helped thousands of consumers cancel their insurance policies and claim refunds they are entitled to. Our step-by-step guides and expert advice mean you never feel lost or powerless. When you understand your rights and follow the correct process, you stay in control-and your money stays with you. Start your cancellation today, follow this guide, and if you face obstacles, escalate to the authorities. Your consumer protection is real, and Stopee is here to make sure you use it.