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Frequently Asked Questions (FAQ)

In Malaysia, car insurance is compulsory for every car owner because it covers the liability that you will have to pay to the third party in the event of accidental death, bodily injury or damages to the car. Besides that, it is compulsory to have at least a Third Party plan in Malaysia to be able to renew your annual road tax.
There has been an increase in the number of vehicles in Malaysia that is why it is important to have financial coverage when there is a damage to your vehicle or if any injury occurs. Any claims of property damage, physical injury, death, etc. will be made by a third-party will be covered by your car insurance policy. Depending on your preference you can expand your package with additional add-ons such as theft and fire coverage, special perils coverage and more.

  • Car insurance is compulsory for drivers in Malaysia whereas personal accident insurance is not necessarily required.
  • Car insurance provides coverage for any damages to your car, injuries or death of the third party, and damages to third party’s property or car whereas personal accident insurance provides coverage for you if you face any injuries or death.

If you want to insure your vehicle more than the standard policy there are a few add-ons covers available. These are the ones that you can choose from:

  • Any damages to your car’s windscreen
  • Any damages to your car audio and accessories
  • Any damages to your car caused by natural disasters
  • Any damages to your car in the event of a strike, riot or civil commotion
  • Any liability claim from your passengers in the event of a car accident
  • Any compensation for the time your car is being repaired in the workshop
  • Complimentary car usage for as many times as you need, in the event of theft or accident.

However, not every insurance package will allow every one of these add-ons in coverage. If you require any add-on coverage, make sure that you choose an insurance policy that provides the ones that would fit your need.

These are the types of car insurance available in Malaysia:

  • Third Party

Third Party Coverage only is the cheapest and most basic insurance as it provides very minimal coverage in the event of an accident such as injuries, deaths or damages to the car. This insurance coverage will not protect you but instead, it will only protect the third party involved in the accident. You will not be able to claim for any damages made to your car, but you can claim for any compensation needed to be made to the third party.

  • Third Party, Fire and Theft

Like the Third Party Coverage, it covers any claims made against you by a third party in the event of an accident which cause bodily injuries, death, property loss or damage caused by your vehicle. Besides that, this insurance policy provides extra coverage on any damages made from a fire or theft of your vehicle.

  • Comprehensive Car Insurance

A Comprehensive Car Insurance has a wider protection coverage compared to the other packages. It has all the coverage in the Third Party, Fire and Theft Coverage but instead of covering only the third party, this insurance covers your vehicle too. You will be protected for any damages or loss caused to your vehicle which covers more than just fire and theft. However, not every car is applicable to this insurance as it depends on the car age.

Bear in mind that all the packages available does not provide protection for any injury or death that has occured to you (the driver or passenger of the policyholder).

There are several factors that will affect your car insurance premium:

  • Geographical Location

Depending on where you live and buy an insurance policy determines your premium rate. Rates are generally higher in city areas compared to rural areas as city areas has a higher rate of accidents, theft, and vandalism. However, if your car is expensive, you will normally have a higher premium rate despite being in a rural area.

  • Age & Gender

Drivers who are younger and inexperienced will automatically have a higher risk to car insurance companies and will cause the inexperienced driver to have a higher premium rate. It is better to be licensed for a few years and have a clean driving record to have a lower premium rate. Besides that, women are generally safer drivers which allows them to get a lower premium rate compared to men.

  • Driving Record

Drivers who has a safe driving history typically get lower premium rates compared to drivers who has a history of accidents, speeding tickets and etc. To avoid getting a higher premium rate, pay attention to the road and avoid any accidents.

  • Type Of Motor Vehicle

Motor vehicles which are classified as intermediate-performance, high-performance, rear-engine models and sports vehicles will have a higher premium rate compared to average cars. This is because in the event of an accident, the cost of the vehicle repair will be more expensive.

  • Types Of Coverage

Depending on the coverage and benefits that is provided by your insurance policy determines the premium rate. The more the coverage and benefits, the higher the premium rates will be. Normally, if the insurance policy covers you and the third-party, it will cost more.

No Claim Discount is a discount for drivers who have not made any insurance claims during the preceding years of the insured period. If you didn’t file any claims over the years, your NCD discount will increase, however, once you make a claim, your NCD will go to 0% again and after 1 year of paying your premium to full, you start building your NCD again. The amount of NCD you may receive depends on the type of vehicle, coverage and the number of years you have not filed a claim. Normally private cars can go up to 55% of NCD. If you do not know to how much NCD you are entitled to, you can check your eligibility through clicking this link.

You cancel your car insurance policy anytime you want by giving a written notice to the insurance company. However, you might have to pay a penalty fee if you were to cancel before the one-year period of your policy. You may be entitled to get a refund for your premium if no claims has been made before the cancellation.

To save you from some hassle, it is an option to have us let your road tax renewed. If you decide to have us renew your road tax, you will only be charged for fees of the road tax renewal, service and delivery, as well as SST. To check the road tax price for your automobile, or any car regardless of the model, you just need to know the engine capacity (cc) of your car and refer to the road tax price table that we have madeThe calculation for car road tax follows the rate set by JPJ.

You can check your road tax delivery status by emailing us with your enquiry at

To check the road tax price for your automobile, or any car regardless of the model, you just need to know the engine capacity (cc) of your car and refer to the road tax price table that we have made. The calculation for car road tax follows the rate set by JPJ.

Peninsular/West Malaysia: within 3-5 working days; Sabah & Sarawak currently not available for road tax renewal.

No, you can’t. It is entirely impossible to renew your road tax without renewing your insurance first, regardless of whether you go to JPJ/Pos office or via an insurance agent.

To make an insurance claim in case of an accident, you need to refer to the process outlined by each insurance provider. For example, if your insurance is issued by Zurich, you can refer to their FAQ section for the process of insurance claim.

So far, we don’t have any calculator to do a calculation for motorcycle road tax prices. But, you can check your car road tax price according to the rate set by JPJ in the road tax price table that we have made.

For any issues related to the insurance & roadtax renewal, kindly email us at or whatsapp us (Finology sdn bhd) with the quick button on this page.

  • Assistance with claims and refunds
  • Advice on product information
  • Responses to any queries or complaints
  • Help with checking and resolving NCD issues for motor policies