In Malaysia, motor insurance is more than a legal requirement — it's a safeguard for drivers and road users, covering costly repairs and liabilities in the event of accidents, theft, or floods.
Key Facts
Financial Protection
It shields you from unexpected costs like repair bills, medical expenses, or vehicle replacement after accidents, theft, or natural disasters.
Legal Requirement
Motor insurance is legally required in Malaysia, ensuring compliance with traffic laws and helping you avoid fines, penalties, or vehicle impoundment.
Peace of Mind
Drive confidently knowing you’re financially protected against unforeseen incidents, reducing stress and ensuring focus on the road.
Third Party Liability Coverage
Covers damage or injuries you may cause to others (people or property), preventing out-of-pocket expenses and legal disputes.
Types of Motor Insurance
Act Cover
The legally mandated minimum insurance, covering third-party injuries or fatalities as required by motor vehicle legislation.
Third Party, Fire & Theft Cover
Extends Third Party Cover to include repairs or replacement if your vehicle is damaged by fire or stolen.
Third Party Cover
Protects against legal liabilities for third-party injuries, fatalities, and property damage caused by your vehicle.
Comprehensive Cover
Offers comprehensive protection, covering third-party liabilities and damages to your own vehicle from accidents, theft, fire,and can be extended to cover natural disasters (special perils), and optional coverage for additional risks like windscreen coverage, all drivers coverage, Personal Accident, NCD Relief, key replacement cover, Compensation for Assessed Repair Time (CART) and more with additional premiums.
Please refer to your insurer or read the Product Disclosure Sheet on the full benefits, coverage and claims guide.
How to choose the right motor insurance for you?
Assess Your Needs
Evaluate your driving habits, vehicle value, legal requirements and personal risk tolerance to determine whether you need third-party, collision or comprehensive cover.
Compare Policies
Shop around and compare quotes from multiple insurers—assessing not just premiums but coverage limits, exclusions, discounts and claim service ratings—to find the best combination of price and protection.
Insured under Agreed Vs Market Value
Agreed value locks in the payout amount you and the insurer set at policy inception, while market value bases your claim on your car’s depreciated worth at the time of loss.
Look for Add-Ons
Consider optional riders—such as zero-depreciation, special perils, roadside assistance and personal accident cover—to enhance standard.
NCD, Excess & Betterment
Maximise savings by preserving your No Claim Discount, choosing a voluntary excess level you can afford, and understanding betterment charges—which require paying the cost difference when new parts exceed the value of older components.
Read The Fine Print
Thoroughly review policy documents for exclusions, claim procedures, renewal terms and cancellation clauses to avoid unexpected costs or claim rejections.
Note: To avoid the hassle of usual third-party claims when the other party damages your car and you may want to consider filing an Own Damage Knock-for-Knock (OD-KFK) with your own insurer.
Benefits:
- It's more convenient to submit a claim through your insurer than a third-party insurer.
- Unlike third party claims, where lengthy legal processes might be involved, your claim may be resolved quicker.
- You will not lose your NCD if the accident was due to third party’s negligence and you were not at fault as confirmed by the police.
- You do not need to appoint your own adjuster, unlike when you file a claim against the third party.