{"id":17972,"date":"2022-01-04T19:00:00","date_gmt":"2022-01-04T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/car-motor-insurance-guide.html"},"modified":"2026-03-27T19:22:00","modified_gmt":"2026-03-27T11:22:00","slug":"car-motor-insurance-guide","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/car-motor-insurance-guide.html","title":{"rendered":"Car Motor Insurance Guide 2022: What Is The Best Car Insurance In Malaysia?"},"content":{"rendered":"

Having a car motor insurance for your vehicle is compulsory. With many car insurance companies you can find here in Malaysia, which among all is the best one for you to buy? Read this complete guide to find out everything you need to know about car insurance before making your decision.<\/strong><\/p>\n

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Here\u2019s the breakdown of this guide:<\/p>\n

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As you head back to normalcy in a post-MCO world, it\u2019s time to start up your engine and return to your usual routine again. However, have you checked if your car insurance policy has expired?<\/b><\/p>\n

In this guide, we\u2019ll run you through the simple basics of getting a car insurance and compare some of the top car insurance policies in Malaysia.<\/p>\n

What is car insurance?<\/h2>\n

A car insurance is essentially a contract between you and the insurance company that provides you with financial protection<\/strong> against physical damage or bodily injury. This protection will only be applicable for traffic or vehicle-related incidents, and comes at a premium which must be paid annually.<\/p>\n

Also widely referred to as auto insurance, vehicle insurance, and motor insurance<\/strong>, car insurance is a category which, like its name, only focuses on cars. Just for context, there are other types of motor insurance categories according to different vehicles, such as motorcycles, trucks, and buses.<\/p>\n

Get the latest car insurance deals by submitting your interest today.<\/a><\/p>\n

Why should you get car insurance?<\/h2>\n

Actually, it\u2019s not really a matter of \u2018should\u2019 – it\u2019s completely mandatory for all drivers in Malaysia<\/strong> to get a valid car insurance policy. Without that, you won’t be able to renew your road tax through the Road Transport Department (JPJ).<\/p>\n

And without your road tax, you won\u2019t be allowed to drive on Malaysian roads legally. If you get caught without a valid road tax, Section 14(4) of the Road Transport Act (RTA) 1987 would leave you with a fine of up to RM3,000.<\/strong><\/p>\n

Driving legally is just one part of the equation – the other would obviously be the protection you\u2019ll get with a car insurance policy. You may be as skilled as Vin Diesel in Fast & Furious, but that doesn\u2019t mean you won\u2019t get into an accident. (Fun fact: they destroyed at least 1,500 cars<\/a> in the entire Fast & Furious franchise. We assume they would need car insurance too.)<\/p>\n

Having a car insurance policy means you and\/or other parties in a road-related incident would be able to claim for damage repairs and physical injuries.<\/strong> While basic policies would typically only cover the other party, a more comprehensive policy would extend its coverage to your vehicle as well.<\/p>\n

With a car insurance policy, you\u2019ll be able to drive knowing that if anything happens, there\u2019s always going to be some kind of financial assistance to fall back on.<\/p>\n

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What happens when you don\u2019t renew your car insurance<\/h2>\n

Simply put, you\u2019ll be in trouble. Legally, you\u2019ll be breaking the Road Transport Act 1987 and you can be fined up to RM1,000 and\/or spend up to three years behind bars.<\/strong> As we mentioned previously, there\u2019s a RM3,000 fine if you\u2019re caught driving without a valid road tax. Since you can\u2019t renew your road tax without first renewing your car insurance, you\u2019ll likely end up with both fines.<\/strong><\/p>\n

But that\u2019s just the legal part of things. The other headache would come with the repairs. You will obviously have to fork out your own money to cover the costs<\/strong> of the damages to the other party (if you\u2019re in the wrong) and yourself. You may or may not also have to pay for treatments for bodily injuries.<\/p>\n

Not having a valid car insurance policy will eventually bite you back where it hurts (your wallet),so always make sure that your policy is up-to-date.<\/strong> It\u2019s common to forget or procrastinate renewing it, so set a yearly reminder a month before your policy ends. To get more information about car insurance, you may click to submit your enquiries.<\/a><\/p>\n

Types of car insurance in Malaysia<\/h2>\n

There are three main types of car insurance in Malaysia:<\/p>\n\n\n\n\n\n\n
Type of car insurance\u00a0<\/strong><\/td>\nDescription<\/strong><\/td>\n<\/tr>\n
Third party<\/td>\nMost basic of all. Only covers the third party involved in the car accident. Basically, if you\u2019re at fault, a third-party insurance would cover the cost of damage, death, and\/or injury to the other party.<\/td>\n<\/tr>\n
Third party, fire, and theft (a.k.a. 2nd party policy)<\/td>\nEverything above, plus coverage to your own vehicle if your car gets caught in fire, or gets stolen.<\/td>\n<\/tr>\n
Comprehensive cover (a.k.a. 1st party policy)<\/td>\nEverything above, including fire and theft, plus coverage to your own car.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

However, if you\u2019re keen on paying a higher premium for various add-ons,<\/strong> there are insurers who would also cover other reasons for damages (e.g. riots, floods, landslides, angry ex-partner with a hammer). To apply for that, you\u2019ll only need to speak to your preferred insurer and they\u2019ll be more than happy to share a policy that works for you.<\/p>\n

Read also<\/strong>: Tips For Buying Car Insurance<\/a><\/p>\n

How to renew car motor insurance<\/h2>\n

It\u2019s actually really easy to renew your car insurance. You can either renew your car motor insurance through an insurance agent, directly at the insurer\u2019s office, or online. Below are the steps:<\/p>\n

Through an insurance agent<\/h3>\n

1. Contact your insurance agent.<\/p>\n

2. Provide the agent with the necessary information (e.g. car chassis, engine number).<\/p>\n

3. Your agent will calculate your premium cost and NCD according to the policy you choose and your claims history.<\/p>\n

4. Make your payment and wait for the documents to be processed and handed over to you.<\/p>\n

In most cases, your agent will also renew your road tax and deliver it to you. However, this may cost a little bit more as agents would typically take a percentage for their own cut.<\/p>\n

At the insurance company<\/h3>\n

Going straight to the insurance company is a great idea, as some insurers are more than happy to provide discounts for such transactions.<\/strong> Here\u2019s a step-by-step guide on how to renew your car motor insurance directly:<\/p>\n

1. Determine your car market value and NCD percentage, if it is applicable to you. Remember that the valuation is only a guide. Actual values may vary depending on the condition of the car.<\/p>\n

2. Prepare the necessary documents (e.g. insurance cover note, your existing insurance policy, and your car grant).<\/p>\n

3. Go to any car insurance provider and get a quotation for your car insurance. If you are satisfied with the price quoted, you can make an upfront payment. You can get your car insurance policy within a day, but the original insurance policy will either be e-mailed or delivered to your house address.<\/p>\n

4. Once you have renewed your car insurance, you can proceed to renew your road tax via MYEG, at a JPJ branch, or at the post office.<\/p>\n

Online<\/h3>\n

As mentioned, you can also do this online. Here\u2019s how to renew your car insurance online:<\/p>\n

1. Go to MYEG\u2019s website.<\/p>\n

2. Prepare these information:<\/p>\n