Refund Policy

Last Updated: 12th August 2026

for rotex.my™

RB Dinamik Insure PLT

1. Introduction

This Refund Policy explains how refunds are handled for insurance/takaful transactions made through rotex.my™, operated by RB Dinamik Insure PLT. Because insurance products are regulated and issued by licensed insurers/takaful operators, all refunds must follow the rules set by Bank Negara Malaysia (BNM), PIAM, MTA, and the respective insurers.

2. Non‑Refundable Payments

Most insurance/takaful payments are non‑refundable once:

The cover note has been issued
The policy has been activated
The insurer/takaful operator has accepted the risk
JPJ ownership/road tax data has been updated (if applicable)

This is because insurance is a regulated financial product, not a general retail purchase.

3. Refund Eligibility

Refunds may be considered only under specific circumstances, including:

Duplicate payment for the same vehicle or policy
Incorrect amount charged due to system or human error
Policy cancellation requested before cover note issuance
Insurer/takaful operator rejects the risk (e.g., blacklist, underwriting issues)
Payment processed but policy cannot be issued due to regulatory or system constraints

All refund requests are subject to verification and approval by:

RB Dinamik Insure PLT
The insurer/takaful operator
Payment gateway provider (for transaction validation)

4. Refund Process

If you believe you are eligible for a refund:

Submit your request via WhatsApp or email
Provide proof of payment and policy details
Our team will verify the transaction
If approved, the refund will be processed within 7–14 working days
Refunds will be issued only to the original payment method (e.g., bank account, card)

We will notify you once the refund has been completed.

5. Administrative Charges

Depending on the situation, refunds may be subject to:

Bank or payment gateway charges
Processing fees imposed by insurers/takaful operators
Administrative fees for cancellation before issuance

These charges will be deducted from the refund amount where applicable.

6. No Refund for Change of Mind

Refunds cannot be provided for:

Change of mind after payment
Switching to another insurer/takaful operator
Incorrect information provided by the customer
Failure to read or understand policy terms

Once a policy is issued, it is legally binding.

7. Contact Information for Refund Requests

For refund enquiries or submissions:

RB Dinamik Insure PLT
Tingkat 7 Menara Arina Uniti
Jalan Raja Muda Abdul Aziz Kampong Bharu
50300 KUALA LUMPUR

📧 Email: mail@rotex.my
📱 WhatsApp: @rotex.my