Return and Refund Policy for Farhana Agency

Last Updated: December 22, 2025

Thank you for choosing Farhana Agency. Please read our policy regarding returns and refunds carefully before making a purchase.

1. Insurance Policy Cancellations

  • Before Issuance: If you change your mind before the insurance cover note has been issued, a full refund may be processed (minus any bank/transaction fees).

  • After Issuance: Once the insurance policy is issued, any cancellation or refund is subject to the terms of the specific Insurance Provider. Usually, the insurer will refund the premium on a “pro-rata” or “short-period” basis, and they may charge a cancellation fee.

  • Service Fee: Farhana Agency’s processing/service fees are non-refundable once the policy has been issued.

2. Road Tax (LKM) Renewals

  • No Returns: Once a road tax has been successfully processed and paid for in the JPJ system (MySikap), it cannot be returned or cancelled through our agency.

  • Incorrect Information: If the road tax cannot be processed due to a “blacklisted” status or incorrect vehicle details provided by the customer, Farhana Agency will refund the road tax amount, but a small administrative fee may be deducted for the system check performed.

3. Physical Road Tax Stickers (If Applicable)

  • If your physical road tax sticker arrives damaged or is lost during courier delivery, please contact us immediately at 016-787 8146. We will assist you in coordinating with the courier or the relevant authority for a replacement.

4. Refund Process

  • All refund requests must be submitted via email to farhanaagency2020@gmail.com or via WhatsApp with your Order ID and Proof of Payment.

  • Approved refunds will be processed within 7 to 14 working days and will be credited back to your original payment method or a bank account provided by you.

5. Non-Refundable Situations

We cannot offer refunds in the following cases:

  • The user provided the wrong vehicle registration number.

  • The user’s vehicle is blacklisted by PDRM or JPJ, and the user failed to settle the summons before the renewal attempt.

  • The insurance policy has already been active for a period of time.