Introduction
2025 sees some big shifts in car insurance in Malaysia. From increased demand for flood relief to digital road tax becoming more standard, the game is changing. When you search for the best car insurance Malaysia 2025, you’re not just hunting for the cheapest plan — you want the ones with perks, reliable service, and offers that match what you need. Below are trend updates + standout insurer deals to help you decide smarter.
What’s New in 2025
- Flood protection & natural disaster perks are now more common add-ons.
- Drive-less cashback/rebates for those with low mileage.
- Digital road tax being accepted widely, reducing friction and cost.
- More insurers providing online renewal discounts or reward programmes.
Highlighted Providers & Their Offers
| Insurer | Unique Offers / Perks (2025) |
| Etiqa | 10% rebate when renewing online; “Drive Less Save More” add-on gives up to 30% cashback; agreed value coverage; all authorised drivers covered; 24/7 roadside assistance. Etiqa+2Etiqa+2 |
| Liberty General Insurance | Their auto365 Comprehensive Plus has RM1,500 flood relief allowance, no RM10 extra charge for additional named drivers, key replacement cover up to RM500, towing up to 100km (West Malaysia). Liberty General Insurance Berhad |
| Allianz (Rahmah Package / EV Shield) | For smaller cars (≤1,500 cc & insured value RM30,000 and below), Allianz offers the Private Car Rahmah Package with flood relief RM3,000, hospital allowance, personal accident benefit. Their EV Shield has charger wall protection, coverage for EV-charging cable, etc. Paul Tan’s Automotive News+2TRP+2 |
Key Coverage Types (Still Relevant)
- Comprehensive – own damage + third party + perils. Best for newer cars.
- Third Party, Fire & Theft (TPFT) – fires, theft, damage to others. Balanced cost.
- Third Party Only (TPO) – basic liability. Cheapest but limited protection.
What To Consider When Choosing
- Your Car’s Age & Value – older cars might not need full comp.
- Where You Drive – flood or high-crime zones need extra cover.
- Claims History / NCD – higher No-Claim Discount helps a lot.
- Extras – towing, key replacement, windscreen, EV charger coverage, etc.
- Online Discounts & Offers – many providers give rebates if you renew online or use their app.
Conclusion
The best car insurance Malaysia 2025 isn’t just about lowest price—it’s what matches your needs. Etiqa, Liberty, and Allianz all have offers that stand out in 2025, whether for flood relief, rebates, or EV-coverage. So when you compare, think about your car, driving location, and what perks you’ll actually use. Then pick the insurer that gives more value (not just promises).
Read More:
Car Insurance Renewal Online Guide
