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Second Hand Car Insurance Malaysia – Our premium rates provide estimates only; final price at time of purchase may vary depending on details provided.
We offer a range of additional benefits to keep you safe. For extra premium we include:
Second Hand Car Insurance Malaysia
Did you know? In addition to protecting you and your car, there are many benefits to choosing it!
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Get 10% off when renewing online. Tired of going to the counter? Now you can purchase insurance through our website or mobile app!
Our trusted online payment partner iPay88 is regulated by Bank Negara Malaysia and complies with the highest international security standards (PCI DSS 1) as well as the Financial Services Act 2013.
PrOmilej offers all the benefits of our comprehensive plans at a lower price. Depending on the distance you plan to travel, PrOmilej offers offers to keep you and your wallet safe.
Depending on the PrOmilej plan you choose, you will save between 10% and 40% on your base premium (including premiums for the optional benefits mentioned above, if any).
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You can purchase ProOmilej using our mobile app (), visiting our website, or calling our call center.
Yes, but you should be aware of the fees calculated based on your current short-term cancellation rates.
No. Before purchasing PrOmilej, you must submit a photo of your odometer reading via our mobile app or online. Otherwise we reserve the right to cancel your insurance.
Yes you can. You must provide us with written notice of your desire. Once canceled, you can get a premium refund on the basis of retaining your regular short-term premium or minimum premium.
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Don’t worry if you exceed the given distance. You will get an additional 500 kilometers before the end of your policy.
If you exceed the specified distance and an additional 500 kilometers, your vehicle will no longer be covered for loss, damage or other optional benefits. However, third-party installations are not affected.
You must complete the plan before exceeding the limit. This ensures that you and your car are fully protected on the road.
You can purchase supplemental insurance just like a policy – online, through our app or by calling us. Its cost is the difference between your current policy and your new policy.
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For example, if your current plan costs RM500 and your next plan costs RM800, you will only pay RM300.
If you exceed the allotted kilometers before the end of the policy period, you will be awarded an additional 500 kilometers.
If you exceed the specified kilometers and grace mileage but have not yet reached it, you will only be covered for bodily injury or death of others and third-party property damage, but not for accidental loss or damage to your vehicle, fire Covered. Or steal. (For PrOmilej policies issued after March 19, 2021, the optional benefits listed in 1. above will not be covered if you exceed your mileage allowance and grace mileage).
Once coverage begins, you can upgrade to the next available mileage level or full mileage coverage by paying an additional premium. Maximum 2 allowed. If you are recharging for the second time, you can only recharge for full mileage protection.
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No, you cannot downgrade your plan. You will not receive a refund and you will not be able to transfer unused miles to a new program.
If I purchase a policy using the website or app, do I still get the 10% commission discount?
There will be no device installed in your vehicle to track your mileage. You only need to submit your current vehicle mileage when purchasing insurance. If you make a claim, your grade will be re-evaluated. We’ll also send you regular reminders to check your own schedule.
You can resend a photo of your odometer by calling our staff at 1-800-88-2121 the day before your coverage becomes effective. Then we make the necessary changes.
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Yes. You can purchase flood or windshield insurance at a premium that matches your mileage.
Please see this policy termination and product termination form for the terms and conditions of this policy What do Myvi and Mercedes have in common? Answer: Both vehicles are required to maintain valid auto insurance while on the road.
New or used, local or imported, if you own a car you must have valid car insurance to drive it on the road; it’s that simple.
Anyone who tells you otherwise is either ignorant or doesn’t care about their own well-being and the well-being of those around them.
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Additionally, if you don’t have valid car insurance and road tax (the two go hand-in-hand and cannot be purchased or renewed without one), you may have to spend more money to pay for a road order if you are towed. Being stopped by the police or pulled over in a blocked area.
Under the Road Transport Act 1987, all car owners in Malaysia are required to have valid car insurance and road tax, both of which must be renewed annually.
However, in addition to legal requirements, it’s also important to have adequate car insurance on your car so that if something unexpected happens (whether it’s a collision, a natural disaster, or even theft), you can rely on your insurance to cover it. Cost of repair or replacement.
According to a study by the Malaysian Road Safety Institute, more than 400,000 road accidents were recorded in 2020 alone, with nearly 5,000 fatalities.
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This is reason enough to buy the right and adequate insurance to cover you and your car when you hit the road.
There are three types of car insurance available in the Malaysian market, each with a different purpose of insuring you and/or your car.
Third party insurance is usually the cheapest of the three types of car insurance and is the most basic type of car insurance you can have in Malaysia.
Picture this: you’re driving home on a rainy night after working late at night. The road is slippery and suddenly your car skids at an intersection and collides with another driver. Luckily, he escaped unscathed – but the same could not be said for the man he collided with.
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To avoid the huge expense of hospital bills (not to mention car repairs), she would need at least third-party car insurance.
As the name suggests, third-party insurance covers claims made against you due to bodily injury or even death caused by someone else (an outsider). It also includes loss or damage to their vehicles or property.
In most cases, third-party fire and theft insurance works similarly to third-party insurance, but this policy allows you to make a claim if your vehicle is damaged by fire or theft.
Please note that this type of insurance covers loss/damage due to accidental fire and theft, but not loss/damage due to the accident itself.
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This car insurance policy has broader coverage than the two previously mentioned car insurance policies.
In addition to providing coverage for all of the above, it also covers damage to your own vehicle!
If you are unable to fit your car in this way, such as using your savings to buy a new car or buying a used car, we recommend that you purchase comprehensive car insurance.
For example, you currently rely on your car to get to work, and the previously mentioned scenario does not apply, it would be better to purchase full coverage, which will provide funds equal to your car’s replacement value (current market value), so at least you can go Buy another car.
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Deciding on the appropriate amount of car insurance doesn’t have to be complicated. Insurance companies aim to make your life easier and base the total coverage on your car’s market value.
Because the data release is effective from July 2017, other factors are also important in determining your payment. However, the coverage only goes back to the market value of your car.
Simply put, insurance companies can pull technical information about your car from a database, such as year of manufacture, engine size, model, horsepower, etc., to understand how your car’s original value compares to its current market value. Car, original mileage given.
In other words, if you buy a new car worth R100,000, your coverage should be for the same amount.
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As the initial price decreases each year and your car ages, the coverage decreases each year based on the car’s lower value and market value.
In theory, you could decide to purchase coverage for less than the car’s market value. For example, if
