Skip to content
Home » Generali Car Insurance (Formerly AXA Affin): What Has Changed & What’s Being Offered?

Generali Car Insurance (Formerly AXA Affin): What Has Changed & What’s Being Offered?

Generali Car Insurance (Formerly AXA Affin): What Has Changed & What’s Being Offered?

Following the merger between AXA Affin General Insurance and the Generali Group, the brand now operates fully as Generali Malaysia. This change is more than just a new name — it brings product enhancements, improved services, and stronger customer support.


What Is Generali Car Insurance?

Generali Car Insurance offers both comprehensive and third-party protection for private vehicle owners. It focuses on broad coverage, easy claims processes, and reliable customer support.

While maintaining many of the features previously known under AXA, it now benefits from the global expertise of the Generali Group — one of the largest insurance providers in the world, based in Italy.


What’s Offered – Special Products & Services

Generali provides a range of valuable features through its main products:

1. SmartDrive Enhanced Private Car Insurance

The main comprehensive plan includes:

  • Protection for own damage, third-party liability, fire, and theft
  • Optional add-ons like special perils (natural disasters), windscreen cover, and additional drivers
  • Flexible plans that can be tailored to individual needs

2. 24/7 Emergency Assistance

(Previously AXA Road Rescue, now under Generali):

  • Free towing to panel workshops
  • Roadside emergency support
  • Minor repair assistance such as flat tyres or battery jump-start

3. Special Perils Protection (Add-On)

Covers losses due to:

  • Flood
  • Storm
  • Landslide
  • Fallen trees

4. Additional Coverage Options

  • Replacement car allowance during repairs
  • Coverage for drivers and passengers
  • Windscreen protection – claims do not affect your NCD

5. Wide Access to Panel Workshops

  • Extensive nationwide panel workshop network
  • Quality workmanship guarantee

Is It Worth It?

Generali offers protection that matches or exceeds most major insurers in Malaysia. While premiums may be slightly higher depending on the driver’s profile, customers benefit from:

  • Faster service through the combination of AXA’s tech and Generali’s global experience
  • 24-hour emergency assistance
Key Features	Generali Malaysia	"Typical Insurers (e.g. Etiqa, Takaful)" Global Brand Strength	Yes (AXA + Generali Global)	Varies (local or standalone brands) 24/7 Roadside Assistance	Included (SmartDrive + Road Rescue)	Optional or limited "Flexible, Customisable Plans"	Yes	Often fixed packages Natural Disaster (Special Perils)	Available as add-on	Available as add-on Windscreen Cover	Does not affect NCD	May affect NCD Replacement Car Allowance	Available (as add-on)	Rare or limited Nationwide Workshop Access	Wide panel coverage	Depends on insurer network  Jadual Perbandingan – Generali vs Insurans Biasa

Why Do People Like Generali Car Insurance?

  • A merger of two trusted names (AXA and Generali) provides stability and credibility
  • Wide range of practical and valuable add-ons
  • Responsive and knowledgeable customer service team
  • Digitally simplified claims process
  • Global reputation – ideal for those seeking premium protection

Conclusion

Generali Car Insurance continues the legacy of AXA Affin while adding global strength and improved services. With plans like SmartDrive Enhanced, full-featured add-ons, and 24/7 roadside support, it’s a solid choice for drivers who want trusted and flexible coverage.

If you’re an existing AXA customer or seeking a new, reputable insurance provider, Generali Malaysia deserves a spot at the top of your list.

Read more:

Allianz: Complete Protection, Suitable for Everyone & E-Hailing

RHB Vehicle Insurance: Comprehensive Fast & Great Value

Takaful Malaysia: Vehicle Protection with Cashback