24/7 Nationwide Roadside Assistance

24/7 Nationwide Roadside Assistance Every Comprehensive Motor policy includes round-the-clock nationwide roadside assistance. Whether you face a mechanical breakdown or an accident, professional support is just a phone call away, ensuring you are never stranded. 

Motor Insurance — Frequently Asked Questions

Everything drivers need to know about car insurance in Malaysia, answered plainly.

Q: Does my car insurance cover flood damage in Malaysia?

A: Standard comprehensive motor insurance does NOT automatically cover flood damage. You need to add a Special Perils rider (also called Act of God coverage) to your policy. This add-on typically costs only 0.5% of your sum insured and covers flood, storm, landslide, and other natural disaster damage. If you live or park in Petaling Jaya, Kelana Jaya, or any low-lying Klang Valley area, Special Perils coverage is highly recommended.

Q: What is the difference between comprehensive, third party, and third party fire and theft insurance?

A: Third-Party insurance covers damage you cause to other people and their vehicles — it does NOT cover your own car. Third-Party, Fire & Theft adds coverage if your own car is stolen or damaged by fire, but still does not cover accident damage to your own vehicle. Comprehensive insurance covers all of the above plus damage to your own car from accidents. Comprehensive is the most complete and is required if you have an outstanding hire-purchase loan on the vehicle.

Q: What is NCD and how does it work?

A: NCD stands for No Claims Discount. It is a discount on your motor insurance premium that grows each year you renew without making an own-damage claim. The NCD scale in Malaysia is: 25% after Year 1, 30% after Year 2, 38.33% after Year 3, 45% after Year 4, and 55% after Year 5 onwards. If you make an own-damage claim, your NCD is reduced at the next renewal. The NCD belongs to you as the policyholder, not the car.

Q: Can I transfer my NCD to a new car?

A: Yes. Your NCD is attached to you as the named policyholder, not to any specific vehicle. When you buy a new car, ask your insurance agent for an NCD Confirmation Letter from your current insurer. Present this when taking out insurance for the new vehicle and your accumulated NCD will be applied to the new policy immediately. You cannot apply the same NCD to two vehicles at the same time.

Q: Will claiming for windscreen damage affect my NCD?

A: NO — windscreen claims do NOT affect your NCD, provided your policy includes a windscreen endorsement. The windscreen endorsement is a separate sub-cover with its own limit. Claims made under it are independent from the main own-damage section of your policy. Always confirm with your agent that the claim is being processed through the windscreen endorsement, not as a general own-damage claim.

Q: What is sum insured and how do I know if I have the right amount?

A: The sum insured is the maximum amount your insurer will pay if your car is declared a total loss. It should reflect your car's current open market value — not the original purchase price. Setting it too low means you receive less than your car is worth in a total loss. Setting it too high means you pay higher premiums for no extra benefit, as insurers never pay more than the actual market value. Ask your agent to do a market value check before each renewal.

Q: My car insurance is expiring soon. How do I renew?

A: You can renew through your insurance agent (recommended, as they check your coverage and NCD), through the insurer's website or app, or through authorised comparison portals. Your agent can handle renewal by WhatsApp — just send your IC number and vehicle registration number. Make sure to renew before the expiry date, as driving an uninsured vehicle in Malaysia is illegal and a serious criminal offence under the Road Transport Act.

Q: Can I insure a car that is not registered in my name?

A: You can insure a vehicle that is not registered in your name, but the policy must reflect the actual owner as the registered policyholder. The vehicle's JPJ registered owner and the insurance policyholder should be the same person.

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