Introduction
Many Grab, InDrive, and Maxim drivers don’t realize they need a special e-hailing insurance — not just a regular car insurance plan. This type of policy is required under Malaysian law and provides extra protection when the vehicle is used to carry paying passengers. Without it, any accident that happens while driving for e-hailing services may not be covered under a standard insurance policy.
1. What Is E-Hailing Insurance?
E-hailing insurance is an add-on to your existing car insurance plan, made specifically for vehicles used for e-hailing services.
Key features include:
- Protects both driver and passengers during paid rides.
- Required by JPJ and SPAD before a PSV license can be approved.
- Only valid if issued by a licensed insurance company.
2. Types of Coverage Provided
E-hailing insurance usually covers:
- Accidents that occur while carrying passengers.
- Damage or theft of the vehicle while on duty.
- Liability to passengers or third parties.
- Optional protection such as Personal Accident (PA) and All Drivers add-ons for full safety.
3. Benefits of Having E-Hailing Insurance
- Complies with the law: A valid PSV license requires this insurance.
- Avoid claim rejection: Normal car insurance doesn’t cover e-hailing activities.
- Protects your income: If an accident happens, you can claim compensation without affecting your personal NCD.
- Peace of mind: Both you and your passengers are covered throughout the trip.
4. How to Get E-Hailing Insurance
You can buy or add e-hailing protection through:
- BJAK: Compare prices from multiple insurers and add the e-hailing add-on during renewal.
- MyJPJ / MyEG: Check your vehicle info and renew roadtax after updating your insurance.
- Authorized agents: Always make sure they’re registered with licensed insurers in Malaysia.
Tip: Avoid offers that seem “too cheap” or come from unofficial sources — there’s a high risk of fake policies.
5. E-Hailing Platforms and Licensing Requirements
Companies like Grab, InDrive, Maxim, AirAsia Ride, and Trevo require drivers to:
- Hold a valid PSV license.
- Submit a copy of their insurance policy when registering.
- Update their policy every time they renew their annual insurance.
Conclusion
E-hailing isn’t just there to tick a legal box — it’s really about protecting both you and your passengers if anything goes wrong on the road.
When you renew or add this coverage through a trusted platform like BJAK, the whole process becomes simpler, fully legal, and safe from dodgy agents.
With the right e-hailing policy in place, you can just focus on driving and earning, without that constant worry at the back of your mind.
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