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A Second of Impact, Thousands in Repairs
Rear-end someone, crack a bumper, deploy an airbag, and the repair bill runs RM 5,000 to RM 20,000 depending on the car. Without comprehensive cover, that's all on you.
Most people renew just to get the car on the road. The right motor takaful protects you from accidents, floods, theft and third-party claims. Shariah-compliant, your NCD carried over, arranged by a BNM-listed advisor.
One advisor · Compared across Malaysia’s leading insurers & takaful operators
Plenty of drivers renew because they have to. The ones who've made a claim know why it matters.
Rear-end someone, crack a bumper, deploy an airbag, and the repair bill runs RM 5,000 to RM 20,000 depending on the car. Without comprehensive cover, that's all on you.
Flash floods are no longer rare in Malaysia. Knee-deep water can total an engine, and water-damage repairs run RM 10,000 to RM 30,000. This is not someone else's story.
Same parking spot as always, gone by morning. Without theft cover you keep paying the loan on a car you no longer have. Cover pays out the vehicle's market value instead.
Pick based on your vehicle's value and whether it's still under financing.
The legal minimum. Protects others, not your own car.
Adds fire and theft protection for your own vehicle.
Full protection. Usually required for financed vehicles.
*For vehicles still under financing, banks usually require comprehensive cover. Third-party property damage is covered up to plan limits.
They look small on the quote. They feel enormous when something happens.
Covers flood, storm, landslide and other natural disasters. Essential if your area has ever flooded. Not included automatically in comprehensive plans.
A cracked windscreen costs RM 500 to RM 3,000 to replace. This add-on covers it in full, and a windscreen claim never touches your NCD.
Personal accident protection for the driver and passengers in your vehicle, including death and permanent disability benefits.
Your NCD can be worth up to 55% off your contribution. This add-on keeps it intact even if you make one claim in the year.
Covers damage from strikes, riots and public disturbances. Worth having for vehicles parked or driven in busy commercial areas.
Lost or damaged keys, including smart keys and remotes. Covers replacement and the cost of reprogramming the immobiliser.
NCD rewards careful driving. It builds every claim-free year, up to 55%.
| Claim-free period | NCD rate | Saving on a RM 1,000 contribution |
|---|---|---|
| Year 1 with no claim | 25% | RM 250 |
| Year 2 | 30% | RM 300 |
| Year 3 | 38.33% | RM 383 |
| Year 4 | 45% | RM 450 |
| Year 5 and beyond | 55% | RM 550 |
*Rates shown are for private cars. NCD is lost after an own-damage or theft claim unless you have the NCD Protector add-on. NCD follows the vehicle's claim record, so a used car starts back at 0%.
The questions drivers ask us most about motor takaful.
Send us your vehicle registration number and we'll come back with the best quote, your NCD included. Free and no obligation.