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Frequently Asked Questions (FAQ)

Motorcycle insurance is a policy which provides financial protection to your motorcycle in the event of a fire, accident, or theft. Besides that, motorcycle insurance also provides financial protection to you against any liability from the third party for injury, death or damage to their motorcycle.

Motorcycle insurance normally covers:

  • Any bodily injury or death caused to the third party in the event of a motorcycle accident

  • Any damages caused to the third party’s motorcycle in the event of a motorcycle accident

  • Any damages caused to your motorcycle in the event of a fire, explosion, or lightning

  • Any damages caused to your motorcycle in the event of a burglary, housebreaking, or theft

  • Any damages caused to your motorcycle in the event of a motorcycle accident

However, not every motorcycle insurance policy provides the same coverage. Some policies provide a wider coverage than others, so it is best to choose what coverage you want.

Motorcycle insurance normally does not cover:

  • Any consequential losses, loss of use and depreciation

  • Any loss or damage to your motorcycle accessories

  • Any mechanical, electrical or electronic breakdown, or any other failure or breakdown to your motorcycle

  • Any loss or damage to your motorcycle caused by natural disasters

  • Any loss or damage, including theft, caused by or attributed to the act of cheating or criminal breach of trust by any person

  • Any bodily injury or death caused to you in the event of a motorcycle accident

  • Any liability claim from your pillion passenger in the event of a motorcycle accident

However, some insurance policies provides these coverages as an add-on coverage with an additional premium price.

These are a few add-on coverage available:

  • Any damages to your motorcycle caused by natural disasters

  • Any damages to your motorcycle in the event of a strike, riot or civil commotion

  • Any liability claim from your pillion passenger in the event of a motorcycle accident

  • Any damages to your accessories fixed to your motorcycle

However, not every insurance package will allow all the following add-on coverage. Some may even provide a more add-on coverage than the ones listed above. If you require any add-on coverage, make sure to choose an insurance policy that provides the add-on coverage that you require.

These are the types of motorcycle insurance available in Malaysia:.

  • Third Party

Third Party Coverage is the most basic motorcycle insurance you can apply for. This insurance provides very minimal coverage in the event of an accident such as injuries, deaths or damages to the motorcycle. However, this type of insurance will not provide any coverage to you but to the third party only. You will not be able to claim for any injuries, deaths or damages made to your motorcycle, 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 a motorcycle accident which causes bodily injuries, death, property loss or damage caused by your motorcycle. Besides that, this insurance policy provides extra coverage on any damages made from a fire or theft of your motorcycle.

  • Comprehensive Insurance

A Comprehensive Insurance has a more coverage compared to the other policies. 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 motorcycle too. You will be protected for any damages or loss caused to your motorcycle which covers more than just fire and theft.

Bear in mind that all the policies available does not provide protection for any injury or death that has occured to you.

NCD is a discount for riders who has not made any insurance claim during the preceding period of your insurance. NCD discounts will increase over the years, however, once you have made an insurance claim, you will lose your NCD entitlement. The amount of NCD you can receive depends on the type of motorcycle, coverage, and the number of years you have not made a claim. Normally, motorcycles can get up to 25% of NCD.

You can cancel your motorcycle 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. Please refer to the chart below for the total premium and customary short-period rates:

During our Free Road Tax & WIN campaign, you'll only be charged for service, delivery and SST.
The price for road tax itself will be completely free! (Terms & Conditions apply).

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

As a general rule of thumb, your sum insured should be at least worth the market price of your motorcycle. This is to ensure that it is sufficient to cover the claims for the loss and damage caused to your motorcycle.

YES! we are able to renew your motorcycle insurance if the engine capacity is 500cc and above. We do insurance and road tax renewal for motorcycles for any engine capacity, regardless of whether your motorcycle is a scooter, sports bike, standard bike, dual sport or others.

Please note that we are currently able to renew motorcycle engine capacity above 500cc with P&O. If the price of P&O is not showing during the quotation journey, do contact us via or whatsapp us (Finology sdn bhd)

However, If the motorcycle’s engine capacity exceeds 1500cc, we would need some extra time in processing your insurance & roadtax as engine capacity above this level requires manual quotations. We thank you for your understanding. 

To check the road tax price for your scooter, or any motorcycle regardless of the model, you just need to know the engine capacity (cc) of your motorcycle and refer to the road tax price table that we have made. The calculation for motorcycle road tax follows the rate set by JPJ. Normally, a scooter will have engine capacity ranging from 50cc, 90cc, 100cc and 125cc. For high power scooter, their engine capacity is usually 125cc, 150cc, 160cc and 180cc. That aside, for engine capacity 150cc and below, the road tax price is free.

We have made a step by step instruction on how you can renew your insurance and road tax online through Loanstreet in this article.

To check the insurance price of your motorcycle insurance for comprehensive coverage or third party coverage, all you have to do is click the “GET QUOTE” button and proceed to fill in a few details about your motorcycle and yourself. During that process, you will have the option to choose from either comprehensive coverage or third party coverage. From there, you can find out the price of first party (comprehensive) or third party insurance coverage price for your motorcycle. a

The price of motorcycle insurance from Loanstreet is according to the price set by each insurance provider. Usually, there is not much of a difference in price between each insurance provider. The biggest difference is usually in terms of convenience and time saving as renewing online only takes less than 5-minute and you can have your road tax delivered to your home or office.

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

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.

Yes, you can. Starting from the 3rd September, if your road tax has expired for more than a year but less than 3 years, you are not required to make an inspection at Puspakom first. However, if your road tax has expired for more than 3 years, you would have to make an inspection at Puspakom. If your motorcycle is certified safe, then you can proceed to make the renewal. But, before you go for an inspection at Puspakom, it is advisable to first book an appointment with them to avoid long waiting and queue.

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.

Yes, you can! In fact, you even don’t have to upload any documents including grant when doing your insurance renewal through Loanstreet.

  • 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