We have a few restrictions in place and if you don’t fulfil the requirements below, you will not be able to get a Z-Miles policy/certificate from us at the moment:

• Z-Miles policy/certificate is only available for individual policy/certificate holders only
• When you first purchase/ participate in Z-Miles, your car’s sum insured/covered must be between RM30,000 and RM500,000
• Your car must have a working 12V socket to power the Z-Miles device
• You agree to plug in the Z-Miles Device in your car during the duration of cover

The idea behind Z-Miles is simple.
If your car is not in use, you’ve a lower risk of getting into an accident and making a claim. So, if you drive less frequently, you might be paying more than you need for your insurance/takaful. With Z-Miles, you pay upfront:

1. An annual base premium/contribution to cover your car against third party liabilities and when your car is parked for the insurance/certificate period of coverage, and
2. Prepaid mileage premium/contribution that covers your driving for 2,000 km, based on a
   per-kilometre rate that is specific to you.

Automatic billing feature:

• After each trip, the distance your car has travelled gets deducted from the prepaid mileage. Your prepaid mileage balance will be automatically topped up monthly, or when it falls below 400 km during the month to ensure your car always has comprehensive coverage.
• Top-up mileage premium/contribution is calculated by multiplying the per-kilometre rate by the mileage needed to bring the prepaid mileage back to 2,000 km.
• To help you control your insurance/takaful cost, we’ve set limits on the mileage you pay for. You’ll never be charged for more than 400 km in a day, this simply means, if you drive more than 400 km in a day – any extra distance you drive is on us! We’ll never charge you for more than 15,000 km a year either.

We’ll refund/return any unused prepaid mileage at the end of the period of insurance/certificate coverage. In other words, you only pay for the kilometres your car is driven – similar to a mobile phone bill.

There's no mileage limit - you can drive as much as you like. We've designed Z-Miles to save lower mileage drivers money, but we don't enforce a limit on how many kilometres you can drive.

However, to help you control your insurance/takaful cost, we’ve set limits on the mileage you pay for. You’ll never be charged for more than 400 km in a day or 15,000 km for the year. This simply means, if you drive more than 400 km in a day or 15,000 km in a year – any extra distance you drive is on us!

You'll need a Visa or Mastercard debit or credit card to pay your insurance/takaful premiums/contributions.

We'll automatically take payment from the same card to top-up your prepaid mileage balance to 2,000 km every month or when your prepaid mileage balance is low during the month.

You can update your billing details on MyZurichLife Customer Portal at any time.

Unfortunately, we are not able to take American Express, Diners Club, or pre-paid cards at the moment.

You may cancel your policy/certificate at any time by giving us a written notice in advance. Upon cancellation, you are entitled to a partial refund/return of base premium/contribution and unused mileage balance, provided you have not made any claim. There is no refund/return of mileage premium/contribution for the mileage that you have driven during the insurance/takaful coverage period.

Prior to cancelling your Z-Miles policy/certificate, you need to ensure your road tax is cancelled first and provide the evidence of road tax cancellation to us when you cancel your policy/certificate.