{"id":18609,"date":"2023-10-05T05:13:27","date_gmt":"2023-10-04T21:13:27","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/top-5-affordable-car-insurance-policies-in-malaysia.html"},"modified":"2026-03-27T08:28:47","modified_gmt":"2026-03-27T00:28:47","slug":"top-5-affordable-car-insurance-policies-in-malaysia","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/top-5-affordable-car-insurance-policies-in-malaysia.html","title":{"rendered":"Top 5 Affordable Car Insurance Policies in Malaysia for 2024"},"content":{"rendered":"\n<p><span style=\"color: #1f1f1f;\">Car insurance is a must-have for all vehicle owners in Malaysia. It protects you and your vehicle in the event of an accident, theft, or other loss. This comprehensive guide will explore affordable car insurance policies in Malaysia and guide you on how to find the best options for your needs using CompareHero.<\/span><\/p>\n<!--more--><h3><span style=\"font-size: 14px; color: #434343;\"><br><\/span><span style=\"font-size: 24px;\"><strong><span style=\"color: #000000;\">Top 5 Affordable Car Insurance Policies<\/span><\/strong><\/span><\/h3>\n<table style=\"border-collapse: collapse; table-layout: fixed; margin-left: auto; margin-right: auto; border: 1px solid #99acc2;\">\n<tbody>\n<tr>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Policy<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Coverage type<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Additional Features<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Price Range (per year)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1pt solid #000000;\">\n<p style=\"font-size: 18px;\"><a href=\"\/car-insurance\/application?productId=MY.CH.CI.ALLZ001.MotorComprehensive&amp;providerId=MY.CH.ALLZ.Allianz\" rel=\"noopener\" target=\"_blank\">Allianz Motor Comprehensive<\/a><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p style=\"font-size: 18px;\"><span style=\"color: #1f1f1f;\">Comprehensive and conventional<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">24\/7 roadside assistance, free car inspection, and up to 55% NCD<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">RM1,200 &#8211; RM2,400<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1pt solid #000000;\">\n<p><a href=\"https:\/\/www.comparehero.my\/car-insurance\/application?productId=MY.CH.CI.ZURT001.MotorComprehensive&amp;providerId=MY.CH.ZURT.ZurichGeneralTakaful\"><span>Zurich Motor Comprehensive&nbsp;<\/span><\/a><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Comprehensive and conventional<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">24\/7 helpline assistance, first response bike brigade, and up to 60% NCD.<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">RM1,400 &#8211; RM2,800<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Maybank Car Takaful<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Comprehensive and takaful<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Online claims submission, 24\/7 customer service, and up to 50% NCD.<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">RM1,000 &#8211; RM2,000<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Tune Protect Car Insurance<\/span><span style=\"color: #1f1f1f;\"> <\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Comprehensive and conventional<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Windscreen coverage, car-less allowance and spray paint coverage.<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">RM960 &#8211; RM2,200<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">MotorTakaful by Etiqa<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Comprehensive and takaful<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">Online claims submission, 24\/7 roadside assistance, and up to 55% NCD.<\/span><\/p>\n<\/td>\n<td style=\"border: 1pt solid #000000;\">\n<p><span style=\"color: #1f1f1f;\">RM1,100 &#8211; RM2,300<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"font-size: 24px;\"><strong><span style=\"color: #000000;\"><br>What are the types of car insurance policies in Malaysia?<\/span><\/strong><\/h3>\n<p>There are <strong>three main types <\/strong>of car insurance policies in Malaysia:<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Third-party only<\/strong>: This is the most basic type of car insurance and <strong>only covers damage to the other party&#8217;s car and\/or property<\/strong> in the event of an accident. It does not cover damage to your own car or injuries to yourself or your passengers.<br><br><\/li>\n<li aria-level=\"1\"><strong>Comprehensive<\/strong>: This type of car insurance <strong>covers damage to your own car, as well as damage to the other party&#8217;s car and\/or property and injuries to yourself and your passengers<\/strong> in the event of an accident. It also provides coverage for theft and other losses.<br><br><\/li>\n<li style=\"color: #1f1f1f;\" aria-level=\"1\"><strong><span style=\"color: #000000;\">Takaful<\/span><\/strong><span style=\"color: #000000;\">: Takaful is an Islamic insurance product that operates on the principles of mutual cooperation and risk-sharing. It offers<\/span><strong><span style=\"color: #000000;\"> similar coverage to comprehensive car insurance but with some religious considerations<\/span><\/strong><span style=\"color: #000000;\">.<\/span><span style=\"color: #000000;\"><br><\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1f1f1f;\">Read more: <\/span><a href=\"https:\/\/www.comparehero.my\/insurance\/articles\/best-takaful-car-insurance-in-malaysia-comparison-of-top-5-providers\"><span>Best Takaful Car Insurance in Malaysia: Comparison of Top 5 Providers<\/span><\/a><\/p>\n<h3><strong><span style=\"font-size: 14px; color: #000000;\"><br><\/span><\/strong><strong><span style=\"font-size: 14px; color: #000000;\"> <span style=\"font-size: 24px;\">Is it mandatory to have car insurance in Malaysia?<\/span><\/span><\/strong><\/h3>\n<p>YES, in Malaysia it is mandatory to have at least third-party insurance to legally drive your vehicle. This ensures that in the event of an accident, compensation is available to the affected parties.<br><br><\/p>\n<h3 style=\"font-size: 24px;\"><strong><span style=\"color: #000000;\">What are the factors affecting car insurance premiums?<\/span><\/strong><\/h3>\n<p>A number of factors can affect your car insurance premiums, including:<\/p>\n<ul>\n<li aria-level=\"1\">Age: Younger drivers typically pay higher premiums than older drivers.<\/li>\n<li aria-level=\"1\">Driving record: Drivers with a clean driving record will typically pay lower premiums than those with a history of accidents or traffic violations.<\/li>\n<li aria-level=\"1\">Model of your car: Some cars are more expensive to insure than others.<\/li>\n<li aria-level=\"1\">Coverage you choose: The higher the level of coverage you choose, the higher your premium will be.<\/li>\n<li aria-level=\"1\">The amount of voluntary excess you choose: A voluntary excess is the amount of money you have to pay out of pocket before your insurance company pays out on a claim. A higher voluntary excess will result in a lower premium.<\/li>\n<\/ul>\n<h3 style=\"font-size: 24px;\"><strong><span style=\"color: #000000;\">How to find affordable car insurance in Malaysia?<\/span><\/strong><\/h3>\n<p>There are a number of things you can do to find affordable car insurance in Malaysia:<\/p>\n<ul>\n<li aria-level=\"1\">Shop around: Compare quotes from multiple insurers via <a href=\"https:\/\/www.comparehero.my\/car-insurance\"><span>Comparehero<\/span><\/a> before you buy a policy to make the process easier.<\/li>\n<li aria-level=\"1\">Choose the right type of coverage: If you&#8217;re on a tight budget, you may want to consider a third-party-only policy. However, if you can afford it, comprehensive insurance is the best option, as it provides the most comprehensive coverage.<\/li>\n<li aria-level=\"1\">Increase your voluntary excess: A higher voluntary excess will result in a lower premium. However, make sure you can afford to pay the voluntary excess if you need to make a claim.<\/li>\n<li aria-level=\"1\">Consider add-ons: Car insurance add-ons can provide additional coverage, such as windscreen cover, personal accident cover, and roadside assistance. However, add-ons can also increase your premium. Only choose add-ons that you need and can afford.<\/li>\n<\/ul>\n<h3><span style=\"font-size: 24px;\"><strong><span style=\"color: #000000;\">Exclusive Car Insurance Promotions for you!<\/span><\/strong><\/span><strong><span style=\"font-size: 14px; color: #000000;\"><br><br><\/span><\/strong><\/h3>\n<p><a href=\"https:\/\/www.comparehero.my\/car-insurance\" rel=\"noopener\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/CI_Article_Banner.png?resize=640%2C187&#038;ssl=1\" width=\"640\" height=\"187\" loading=\"lazy\" alt=\"CI_Article_Banner\" style=\"height: auto; max-width: 100%; width: 1200px; margin-left: auto; margin-right: auto; display: block;\"><\/a><\/p>\n<p>Don\u2019t miss your chance to get a <strong>guaranteed RM30 Shell e-Voucher<\/strong> when you<strong> sign up for Allianz or Zurich Car Insurance<\/strong> from <strong>now until 3 October 2023.<\/strong><\/p>\n<p>Allianz Motor Comprehensive and Zurich Motor Comprehensive are two of the most popular car insurance products in Malaysia. Both products offer comprehensive coverage for your car, including damage to your own car, damage to the other party&#8217;s car and\/or property, and injuries to yourself and your passengers in the event of an accident. They also provide coverage for theft and other losses.<\/p>\n<p>Allianz Motor Comprehensive includes the following additional features:<\/p>\n<ul>\n<li aria-level=\"1\">24\/7 roadside assistance<\/li>\n<li aria-level=\"1\">Free car inspection<\/li>\n<li aria-level=\"1\">Up to 55% NCD<\/li>\n<\/ul>\n<p style=\"text-align: center; font-size: 20px;\"><a href=\"https:\/\/www.comparehero.my\/car-insurance\/application?productId=MY.CH.CI.ALLZ001.MotorComprehensive&amp;providerId=MY.CH.ALLZ.Allianz\" style=\"font-weight: bold;\">Apply for Allianz Motor Comprehensive NOW<\/a><\/p>\n<p><br>Zurich Motor Comprehensive includes the following additional features:<\/p>\n<ul>\n<li aria-level=\"1\">24\/7 helpline assistance<\/li>\n<li aria-level=\"1\">First response bike brigade<\/li>\n<li aria-level=\"1\">Up to 60% NCD<\/li>\n<\/ul>\n<p style=\"text-align: center; font-size: 20px;\"><a href=\"https:\/\/www.comparehero.my\/car-insurance\/application?productId=MY.CH.CI.ZURT001.MotorComprehensive&amp;providerId=MY.CH.ZURT.ZurichGeneralTakaful\" style=\"font-weight: bold;\"><span>Apply for Zurich Motor Comprehensive NOW<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance is a must-have for all vehicle owners in Malaysia. It protects you and your vehicle in the event of an accident, theft, or other loss. This comprehensive guide will explore affordable car insurance policies in Malaysia and guide you on how to find the best options for your needs using CompareHero.<\/p>\n","protected":false},"author":268230141,"featured_media":809,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[556],"tags":[],"class_list":["post-18609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 Affordable Car Insurance Policies in Malaysia for 2024 - CompareHero<\/title>\n<meta name=\"description\" content=\"Car insurance is a must-have for all vehicle owners in Malaysia. 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