🚗 Car Insurance Malaysia 2026
Panduan Lengkap Insurans Kereta Malaysia
Mandatory Coverage | Road Tax Renewal | Best Rates
Why is Car Insurance Mandatory?
Mengapa Insurans Kereta Wajib?
🇬🇧 Road Transport Act 1987
Under the Road Transport Act 1987 (Section 90), all motor vehicles in Malaysia MUST have at least Third Party insurance coverage. Driving without valid insurance is a criminal offense.
- • Fine up to RM 1,000
- • Imprisonment up to 3 months
- • Vehicle may be confiscated
🇲🇾 Akta Pengangkutan Jalan 1987
Di bawah Akta Pengangkutan Jalan 1987 (Seksyen 90), semua kenderaan motor di Malaysia MESTI mempunyai sekurang-kurangnya liputan insurans Pihak Ketiga. Memandu tanpa insurans yang sah adalah kesalahan jenayah.
- • Denda sehingga RM 1,000
- • Penjara sehingga 3 bulan
- • Kenderaan boleh dirampas
Types of Car Insurance | Jenis Insurans Kereta
Comprehensive
Insurans Menyeluruh
Full protection for own car damage, third party, theft & natural disasters. Includes windscreen, flood & fire coverage.
Third Party
Pihak Ketiga
Basic mandatory coverage. Covers damage/injury to other people only. Your own car damage is NOT covered.
Third Party F&T
Pihak Ketiga + Kebakaran
Third party coverage PLUS protection against fire and theft of your own car.
Quick Comparison | Perbandingan Pantas
| Coverage Type | Comprehensive | Third Party | TP F&T |
|---|---|---|---|
| Own Car Damage | ✓ | ✗ | ✗ |
| Third Party Liability | ✓ | ✓ | ✓ |
| Fire & Theft | ✓ | ✗ | ✓ |
| Natural Disasters | ✓ | ✗ | ✗ |
| Typical Premium | RM1,000-3,000 | RM300-600 | RM600-1,200 |
What's Covered in Comprehensive Insurance
Apa yang Diliputi dalam Insurans Menyeluruh
✅ Covered | Diliputi
❌ Not Covered | Tidak Diliputi
Car Insurance Premium Calculator
Kalkulator Premium Insurans Kereta
Estimated Premium
Anggaran Premium
* Estimates only. Actual rates may vary. | Anggaran sahaja.
Understanding NCD (No Claim Discount)
Memahami Diskaun Tanpa Tuntutan
🇬🇧 What is NCD?
NCD (No Claim Discount) is a reward for drivers who don't make insurance claims. The longer you go without claims, the higher your discount - up to 55% off your premium!
NCD belongs to the owner, not the car - you can transfer it to a new vehicle.
🇲🇾 Apa itu NCD?
NCD (No Claim Discount) adalah ganjaran untuk pemandu yang tidak membuat tuntutan insurans. Semakin lama tanpa tuntutan, semakin tinggi diskaun anda - sehingga 55% potongan premium!
NCD adalah milik pemilik, bukan kereta - boleh dipindahkan ke kenderaan baru.
NCD Rates Table | Jadual Kadar NCD
| Years Without Claim | NCD Rate | Example Savings (RM2,000 premium) |
|---|---|---|
| New / After Claim | Baru / Selepas Tuntutan | 0% | RM 0 |
| 1 year no claim | 1 tahun tanpa tuntutan | 25% | RM 500 |
| 2 years | 2 tahun | 30% | RM 600 |
| 3 years | 3 tahun | 38.33% | RM 767 |
| 4 years | 4 tahun | 45% | RM 900 |
| 5+ years | 5+ tahun | 55% | RM 1,100 |
✓ How to Maintain NCD
- • Don't make claims for minor damages
- • Renew insurance before expiry (1 year grace)
- • Transfer NCD when buying new car
- • Consider NCD protection add-on
⚠️ How to Lose NCD
- • Making at-fault claims (drops 1 level)
- • Not renewing within 1 year grace period
- • Switching to different vehicle type
- • Fraudulent claims (lose all NCD)
Popular Add-ons & Extras | Tambahan Popular
Enhance your coverage with these optional add-ons
Windscreen
Extra windscreen coverage beyond standard RM300-500. Covers cracks, chips & full replacement.
Legal Liability
Covers legal liability to passengers in your car. Important if you frequently carry passengers.
Special Perils
Coverage for strikes, riots, civil commotion & malicious damage. Recommended for city drivers.
NCD Protection
Protects your NCD even if you make 1 claim per year. Worth it for 45% or 55% NCD holders.
All Drivers
Allows anyone to drive your car (with valid license). Costs more but very flexible.
Betterment Waiver
No need to pay betterment charges (depreciation) for parts older than 2-3 years.
How to Make a Car Insurance Claim
Cara Membuat Tuntutan Insurans Kereta
Secure the Scene
Turn on hazard lights, set up warning triangle. Check for injuries.
Pastikan keselamatan
Document Everything
Take photos, exchange details with other party, get witness info.
Ambil gambar & maklumat
Police Report
File police report within 24 hours at nearest station (mandatory).
Buat laporan polis 24 jam
Notify Insurer
Call insurer immediately. Submit claim form within 7 days.
Hubungi syarikat insurans
Required Documents | Dokumen Diperlukan
Money-Saving Tips | Petua Jimat Wang
How to reduce your car insurance premium
Maintain Your NCD
Don't claim for minor damages (under RM1,000). Paying out-of-pocket preserves your NCD discount.
Choose Named Drivers
Named driver policies are 10-15% cheaper than "any driver" coverage. List specific drivers only.
Compare Multiple Quotes
Get quotes from at least 3-5 insurers. Premiums can vary by RM200-500 for the same coverage.
Install Security Devices
Alarms, immobilizers & GPS trackers can qualify you for premium discounts up to 5-10%.
Pay Annually
Avoid monthly payment fees. Paying annually can save you RM50-100 in admin charges.
Young Driver Discount
Some insurers offer discounts for young drivers with good academic records or safe driving courses.
Car Insurance Rates by Popular Malaysian Car Models
Kadar Insurans Mengikut Model Kereta Popular
Malaysia's Most Popular Brand | Jenama Paling Popular
Perodua Myvi (2024)
Perodua Axia (2024)
Perodua Bezza (2024)
Perodua Aruz (2024)
Perodua Alza (2024)
Malaysia's National Car | Kereta Nasional
Proton X50 (2024)
Proton X70 (2024)
Proton Saga (2024)
Proton Persona (2024)
Premium Japanese Brand | Jenama Jepun Premium
Honda City (2024)
Honda Civic (2024)
Honda CR-V (2024)
Reliable Japanese Leader | Pemimpin Jepun Dipercayai
Toyota Vios (2024)
Toyota Corolla (2024)
Toyota Fortuner (2024)
Premium Calculation Factors | Faktor Pengiraan Premium
- • Market value (current car worth) | Nilai pasaran semasa
- • NCD percentage (0% to 55%) | Peratusan NCD
- • Engine capacity (higher CC = higher premium) | Kapasiti enjin
- • Insurance provider rates (varies by company) | Kadar syarikat insurans
- • Add-ons selected (windscreen, all drivers, etc.) | Tambahan dipilih
Source: Rates based on PIAM (Persatuan Insurans Am Malaysia) guidelines and market surveys Feb 2026.
Understanding Betterment Charges (Depreciation)
Memahami Caj Penambahbaikan (Susut Nilai)
What is Betterment? | Apa itu Betterment?
Betterment is a depreciation charge you pay when old car parts are replaced with NEW parts during repairs. Since your old parts have depreciated, you pay the difference.
Example | Contoh:
Tip: Buy "Betterment Waiver" add-on (RM50-120/year) to avoid these charges!
Standard Betterment Rates | Kadar Betterment Piawai
| Part Age | Depreciation % |
|---|---|
| 0-1 year | 0-1 tahun | 0% |
| 1-2 years | 1-2 tahun | 10% |
| 2-3 years | 2-3 tahun | 20% |
| 3-4 years | 3-4 tahun | 30% |
| 4-5 years | 4-5 tahun | 40% |
| 5+ years | 5+ tahun | 50% |
Common Parts Subject to Betterment | Bahagian Tertakluk Betterment
Top Car Insurance Providers Malaysia
Syarikat Insurans Kereta Terkemuka di Malaysia
Orient
Marine
Malaysia
Road Tax Renewal Guide | Panduan Pembaharuan Cukai Jalan
Online Renewal | Pembaharuan Online
You can renew your road tax online through MyEG or JPJ's official portal.
- ✓ Valid car insurance | Insurans kereta yang sah
- ✓ MyKad number | Nombor MyKad
- ✓ Vehicle registration number | No. pendaftaran
- ✓ Debit/Credit card | Kad debit/kredit
Physical Renewal | Pembaharuan Fizikal
Visit JPJ office or Pos Malaysia branch with required documents.
- ✓ Original MyKad | MyKad asal
- ✓ Vehicle registration card (Grant) | Geran kenderaan
- ✓ Insurance cover note | Nota perlindungan insurans
- ✓ Payment (cash/card) | Bayaran (tunai/kad)
Important Reminder | Peringatan Penting
Your road tax MUST be renewed before expiry. Driving with expired road tax can result in a fine up to RM 2,000 and vehicle seizure. Always renew at least 1 week before expiry to avoid last-minute rush.
Workshop Selection Guide
Panduan Memilih Workshop | Panel vs Non-Panel
Panel Workshop | Workshop Panel
Workshops approved and recommended by your insurance company. Direct billing available (you don't pay upfront for covered repairs).
Non-Panel Workshop
Any workshop of your choice. You pay first, then claim reimbursement from insurer. More freedom but more hassle.
🔍 How to Find Panel Workshops | Cara Cari Workshop Panel
- • Check your insurance policy document for list of panel workshops
- • Call your insurer's hotline for nearest panel workshop
- • Visit insurer's website - most have workshop locator tool
- • Mobile apps (Allianz, Etiqa, etc.) show nearby panel workshops on map
- • Ask your insurance agent for recommended workshops in your area
Pro Tip: Save panel workshop contact numbers in your phone BEFORE an accident happens!
Flood Coverage & Natural Disasters
Liputan Banjir & Bencana Alam
Covered | Diliputi
- ✓ Flood damage (if comprehensive)
- ✓ Landslides & mudslides
- ✓ Windstorm damage
- ✓ Fallen trees on car
- ✓ Lightning strikes
Not Covered | Tidak Diliputi
- ✗ Engine damage if you tried to start flooded car
- ✗ Consequential damage from negligence
- ✗ Earthquake (usually excluded)
- ✗ War & terrorism acts
- ✗ Nuclear radiation
What To Do | Apa Perlu Buat
- 1. Don't start the engine if flooded
- 2. Take photos immediately
- 3. Call insurer right away
- 4. Tow to workshop - don't drive
- 5. File police report within 24 hours
Flood-Prone States in Malaysia | Negeri Berisiko Banjir
- • Kelantan (most affected)
- • Terengganu
- • Pahang (East coast)
- • Johor (selected areas)
- • Perak
- • Selangor (low-lying areas)
- • Kuala Lumpur (flash floods)
- • Kedah
- • Penang (except coastal)
- • Melaka
- • Sabah (selected areas)
- • Sarawak (selected areas)
Source: Department of Irrigation and Drainage (DID) Malaysia flood risk assessment 2026. Visit Public Info Banjir for real-time flood alerts.
10 Common Car Insurance Mistakes to Avoid
Kesilapan Biasa Insurans Kereta
Not Declaring Modifications
Turbo kits, body kits, tinted windows must be declared. Undeclared mods void your insurance!
Choosing Based on Price Only
Cheapest isn't always best. Check claim settlement ratio, customer reviews & service quality.
Not Reading the Policy
Know your exclusions! What's NOT covered is more important than what IS covered.
Letting Insurance Lapse
Grace period is 1 year. After that, your NCD expires and you start from 0%!
Underinsuring Your Car
Always insure for current market value. Underinsuring = lower payout in total loss claims.
Not Comparing Quotes
Same coverage can vary by RM200-500 between insurers. Always compare at least 3 quotes!
Claiming for Small Damages
Claims under RM1,000 may not be worth losing your NCD. Consider paying out-of-pocket.
Ignoring Add-ons
Windscreen, betterment waiver, NCD protection cost little but save thousands in claims!
Late Renewal
Renew at least 1 week before expiry. Last-minute rush can lead to coverage gaps!
Not Updating Address
Wrong address = renewal notices go missing = late renewal = penalty or NCD loss!
Frequently Asked Questions | Soalan Lazim
What is NCD (No Claim Discount)?
NCD is a discount you earn for not making insurance claims. It ranges from 0% to 55%. You get 25% after 1 year without claims, 30% after 2 years, and up to 55% after 5+ years.
Can I transfer my NCD to a new car?
Yes! NCD belongs to the owner, not the car. You can transfer it when buying a new car or changing insurance providers. | NCD boleh dipindahkan ke kereta baru.
What is a "named driver" policy?
A policy that covers specific drivers only (e.g., owner + spouse). It's cheaper than "any driver" policy but only listed drivers can drive the car.
Do I lose NCD if I make a claim?
Yes, your NCD will drop by 1 level for each at-fault claim. However, some insurers offer "NCD protection" add-on for an extra fee.
Can I renew insurance after it expires?
Yes, but you'll lose your NCD if you renew late. Grace period: 1 year. After that, NCD expires and you start from 0%.
Is windscreen covered in comprehensive insurance?
Yes, most comprehensive policies include windscreen coverage up to RM 300-500. Check your policy for the exact amount.
Car Insurance Terms Explained
Istilah Insurans Kereta Dijelaskan
Sum Insured | Jumlah Diinsuranskan
The maximum amount your insurer will pay for total loss. Should match your car's current market value.
Excess | Lebihan
Amount you must pay first before insurance kicks in. Voluntary excess = lower premium.
Cover Note | Nota Perlindungan
Temporary insurance certificate valid for 60 days while waiting for actual policy document.
Endorsement | Endorsmen
Official change to your policy. E.g., adding driver, changing address, upgrading coverage.
Total Loss | Kerugian Keseluruhan
When repair cost exceeds 75% of car value. Insurer pays sum insured minus salvage value.
Subrogation | Subrogasi
Insurer's right to recover money from the party responsible for accident after paying you.
Agreed Value | Nilai Dipersetujui
Pre-agreed car value stated in policy. What you get paid for total loss (minus excess).
Pro-Rata | Pro-Rata
Proportional refund if you cancel policy mid-term. Not full refund - admin fees deducted.
Premium Holiday | Cuti Premium
Temporary suspension of premium payments (usually not allowed for motor insurance).
Market Value | Nilai Pasaran
Current worth of your car considering age, condition & mileage. Used to calculate premium.
Knock-for-Knock | Ketuk-untuk-Ketuk
Agreement where each insurer pays for their own customer's damage, regardless of fault.
Premium Loading | Tambahan Premium
Extra charge for high-risk factors: young driver, powerful engine, accident history.
Car Insurance Guide by Age Group
Panduan Insurans Mengikut Umur
18-25 Years
26-40 Years
41-60 Years
60+ Years
Premium Factors by Age | Faktor Premium Mengikut Umur
- • Less driving experience (higher accident risk)
- • Statistics show higher claim rates
- • No NCD history to reduce premium
- • Established driving record
- • Building or maximized NCD
- • Statistically lowest claim rates
Electric Vehicle (EV) Insurance Malaysia
Insurans Kenderaan Elektrik
Special EV Coverage | Liputan Khas EV
Protection for expensive EV battery (RM30,000-80,000 value)
Covers theft/damage to home charging station & cables
Towing to nearest charging station if battery depletes
Both electric motor & petrol engine covered
EV vs Petrol Premium | Perbandingan Premium
Note: EV premiums typically 5-10% higher due to expensive parts & specialized repairs.
Insurers Offering EV Coverage | Syarikat Tawarkan Liputan EV
Renew Your Car Insurance Today
Perbaharui Insurans Kereta Anda Hari Ini
Don't drive without insurance - it's illegal & dangerous!