Stop overpaying: unlock the best car insurance deals in Malaysia with Motorist

Securing the right car insurance in Malaysia is crucial, not just because it's a legal requirement, but because it provides essential financial protection for you and your vehicle.

 From unexpected accidents to natural disasters, the right policy ensures peace of mind on the road.

At Motorist Malaysia, we help you navigate the landscape of motor insurance, comparing options from leading providers like Allianz, Etiqa Takaful, AIG, and Kurnia to find the policy that best fits your specific needs. Understanding your options is the first step to making a smart choice.

Understanding Your Car Insurance Options

In Malaysia, you'll generally encounter three main types of car insurance:

• 1. Comprehensive Coverage: This is the most extensive coverage. It protects you against:

  • Third-party death or bodily injury.

  • Third-party property loss or damage.

  • Loss or damage to your own car due to accidental fire, theft, or accident.

  • This is the standard, highly recommended choice for new cars and most vehicles.

• 2. Third-Party, Fire, and Theft: A middle-ground policy. It covers third-party liabilities and damage to your own car specifically from fire or theft. It does not cover accidental damage to your own vehicle.

• 3. Third-Party Only: This is the most basic and minimum legal requirement. It only covers liabilities for damage or injury you cause to a third party (other people/property). It offers no coverage for your own vehicle whatsoever.

Frequently Asked Questions (FAQ)

Q1 What’s the best insurance plan for my new car?

A:The best plan for a new car is Comprehensive Coverage. Through Motorist Malaysia's comparison platform, you can secure policies that offer full protection for your car's value against fire, theft, and accidental damage, along with covering all third-party liabilities.

Q2:Which car insurance offers the fastest claim process?

A:The speed of the claim process often depends on the insurer's operational efficiency and established services. When choosing a policy through Motorist Malaysia, look for insurers who specifically advertise dedicated services designed to ensure a fast, easy, and seamless journey for accident claims, including complimentary towing and on-site assistance.

Q3:Where can I get comprehensive car insurance coverage?

A:You can easily get Comprehensive Car Insurance Coverage through the Motorist Malaysia platform. We provide a comparison service featuring comprehensive plans from top insurers, allowing you to find the most suitable and complete protection plan in one place.

Q4:What insurance covers third-party damage for cars?

A:All three main types of car insurance in Malaysia—Third-Party Only, Third-Party, Fire, and Theft, and Comprehensive Coverage—cover third-party damage. Since third-party coverage is the minimum legal requirement, any policy you secure via Motorist Malaysia will ensure you are protected against third-party property loss or damage and bodily injury.

Q5:Are there insurance policies with roadside assistance included?

A:Yes. Many Comprehensive Car Insurance policies offered through Motorist Malaysia include 24/7 roadside assistance as a standard feature or an included benefit. This service typically covers complimentary towing, jump-starts, and on-site minor repair services nationwide.

Q6:Which provider has the cheapest premium for car insurance?

A:The cheapest premium depends heavily on your vehicle's make, model, age, and your No-Claim Discount (NCD). Motorist Malaysia’s comparison service allows you to instantly compare quotes from various insurers to identify the most affordable plan with the specific coverage you need, ensuring you get the best value premium.

Q7:What’s the usual deductible for car insurance policies?

A:In Malaysia, the term excess is more commonly used than "deductible." This is the amount you agree to pay out of pocket before your insurer covers the rest of the claim. For private car policies, a common compulsory excess is waived under most circumstances, but you may face a compulsory excess if the driver is:

• Below 21 years of age.

• The holder of a Provisional or Probationary driving license.

• Not a named driver on the policy.

The exact amount can vary by insurer and risk profile.

Q8:Can I get car insurance with zero depreciation coverage?

A:Yes, you can get car insurance with features that counter the effect of depreciation. Many insurers available through Motorist Malaysia offer policies with Agreed Value Coverage or a Waiver of Betterment add-on. Agreed Value ensures that in the event of a total loss or theft, you will be paid the pre-agreed insured value of your vehicle, preventing a depreciation dispute.

Q9:Is it possible to insure a used car with comprehensive coverage?

A:Yes, it is possible and highly recommended to insure a used car with Comprehensive Coverage. Most insurers on the Motorist Malaysia platform offer comprehensive plans for vehicles up to a certain age limit (often 15 to 20 years, depending on the insurer's terms).

Q10:Where can I find insurance that covers natural disaster damage to cars?

A:Insurance that covers natural disaster damage like floods, landslides, and storms is available as an optional add-on called Special Perils coverage. When using Motorist Malaysia to renew or buy your Comprehensive policy, you can select this crucial add-on to ensure your vehicle is protected against these unforeseen natural events for an additional premium.

Read More: New traffic rules for Malaysia in 2026

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