Car Insurance
Made Simple
Compare Malaysia's top car insurers, understand what you're actually covered for, and calculate your NCD savings — all in one place.
Which Coverage Do You Need?
Three levels of protection — pick what suits your car's value and budget.
NCD Calculator
No Claim Discount can save you up to 55% on your premium. See exactly how much you save.
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Your NCD Savings
🏆 Maximum NCD achieved! You're saving RM990.00 per year. Protect it with an NCD Protector add-on.
Compare Top Insurers
Rated on overall quality, claims experience and digital convenience.
Allianz
Allianz Malaysia
Malaysia's largest insurer — widest workshop network
- ✓2,000+ authorised workshops nationwide
- ✓24/7 roadside assistance (Allianz Road Rangers)
- ✓Fast claims — average 5 working days
Etiqa
Etiqa Insurance & Takaful
Takaful & conventional — most trusted Islamic insurer
- ✓Takaful & conventional options in one place
- ✓eAutoAssist app for digital claims
- ✓Backed by Maybank Group
MSIG
MSIG Insurance
Japanese-backed reliability — highest claims satisfaction
- ✓Top-rated claims satisfaction in Malaysia
- ✓Motor claims decided within 7 days
- ✓Backed by MS&AD Insurance Group Japan
Generali
Generali (formerly AXA Affin)
Competitive rates since detariffication
- ✓Often cheapest post-detariff pricing
- ✓1,500+ panel workshops
- ✓Online claims submission
Zurich
Zurich General Insurance
Most digital-forward insurer in Malaysia
- ✓Full digital renewal & claims via app
- ✓Instant e-cover note
- ✓MyZurich app — claim in minutes
Takaful MY
Syarikat Takaful Malaysia
Malaysia's first Takaful operator since 1984
- ✓Pioneer Takaful company in Malaysia
- ✓Fully Shariah-compliant motor takaful
- ✓Competitive contribution rates
AmGeneral
AmGeneral Insurance
Seamless integration with AmBank products
- ✓Bundled discounts for AmBank card holders
- ✓AmAssist 24/7 roadside assistance
- ✓800+ panel workshops
Sompo
Berjaya Sompo Insurance
Solid coverage at competitive rates
- ✓One of lowest premium rates available
- ✓Backed by Sompo Holdings Japan
- ✓Good option for older vehicles
Ratings based on claims satisfaction surveys, BNM data, and customer reviews. Updated 2026.
Essential Add-Ons for Malaysian Drivers
Standard policies have gaps. These add-ons close them.
Special Perils
Flood, landslide, storm damage
Windscreen Cover
Repair or replace cracked windscreen
NCD Protector
Keep your NCD after one claim
Roadside Assistance
24/7 towing, battery jump, flat tyre
Passenger PA
Personal accident for all passengers
Key Replacement
Replace lost or stolen car keys
Special Perils (Flood) is NOT included in standard comprehensive insurance.
Malaysia experiences flash floods annually. In 2021, the Selangor and KL floods caused over RM6 billion in losses. Adding Special Perils coverage costs as little as RM50/year — one of the best-value add-ons available.
How NCD Works in Malaysia
Your most valuable car insurance asset — understand it fully.
NCD is yours, not the car's
Your NCD follows you as the owner, not the vehicle. Sell your car — your NCD stays with you.
Transferable between insurers
Switch to any insurer and keep your NCD. Insurers verify via PIAM database using your IC number.
One claim resets it
An at-fault claim resets NCD to 0%. Consider using NCD Protector add-on to preserve it after one claim.
Frequently Asked Questions
What is the cheapest car insurance in Malaysia?
Since detariffication in 2017, prices vary by insurer. Generali (formerly AXA Affin) and Berjaya Sompo often offer the lowest premiums. However, cheapest isn't always best — check claims ratings and workshop network. Use our comparison tool and get quotes from at least 3 insurers.
What is NCD (No Claim Discount) in Malaysia?
NCD is a discount you earn for not making claims. It starts at 25% after 1 claim-free year and goes up to 55% after 5+ years. NCD is tied to the car owner (not the car) and is transferable between insurers. Protecting your NCD is crucial — one claim can reset it.
Is special perils (flood) coverage important in Malaysia?
Yes — it's one of the most important add-ons for Malaysian drivers. Standard comprehensive insurance does NOT cover flood damage. Given Malaysia's monsoon seasons and flash floods (especially in KL, Johor, Kelantan), special perils coverage is strongly recommended. It typically costs RM50–200 extra per year.
What is the difference between Takaful and conventional car insurance?
Takaful is Shariah-compliant — contributions go into a shared pool (tabung) and surplus is returned to participants (hibah). Conventional insurance uses a risk-transfer model where premiums go to the insurer. Coverage and premiums are similar. Muslims can choose either; Takaful is the Islamic-preferred option.
Can I keep my NCD when switching insurance companies?
Yes. Your NCD belongs to you, not your old insurer. When renewing with a new insurer, provide your IC number and they can verify your NCD with PIAM (Persatuan Insurans Am Malaysia). The NCD percentage will be maintained.