Choosing car insurance in Malaysia isn’t just about the price or basic coverage. Many drivers today are looking for something more practical — a replacement car if their vehicle is damaged or in the workshop after an accident.
This benefit ensures you stay mobile even when your own car is unavailable.
What Is Car Replacement Coverage?
Car replacement coverage offers either:
- A temporary replacement vehicle you can use during the repair period, or
- A daily cash allowance (CART) based on the estimated repair duration, depending on the insurance provider and plan you choose.
Types of Car Replacement Benefits
Insurance Providers That Offer This Feature
Tips for Choosing the Right Plan
Before selecting your policy, consider these points:
- Check whether the replacement car benefit is included automatically or offered as an optional add-on
- Ensure repairs are done at panel workshops to qualify for CART or replacement vehicle
- Review the maximum duration of the benefit (e.g. 10 or 21 days)
- Understand whether you’ll receive a physical car or a daily cash allowance
Conclusion
If you want a car insurance plan in Malaysia that offers a replacement car, consider those that include CART or direct vehicle replacement.
Major insurers such as Etiqa, Generali, Allianz, and AIG already provide these benefits. For a more convenient online solution, platforms like JPJ, MyEG, Pos Malaysia, and Bjak allow you to compare insurance quotes — with Bjak offering options that include VIP Road Assist with replacement car support built into selected plans.
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