{"id":8499,"date":"2026-06-04T18:28:00","date_gmt":"2026-06-04T10:28:00","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=8499"},"modified":"2026-09-19T13:54:38","modified_gmt":"2026-09-19T05:54:38","slug":"free-car-towing-in-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia","title":{"rendered":"Free Car Towing in Malaysia"},"content":{"rendered":"\n<p>It\u2019s a nightmare for any driver if their car breaks down or is involved in an accident on the road. Private towing can easily cost hundreds of ringgit, especially after midnight or over long distances. The good news: most comprehensive car insurance and motor takaful policies in Malaysia include free 24\u2011hour emergency towing, subject to limits.<\/p>\n\n\n\n<p>Below is an up\u2011to\u2011date overview of how free towing works, what the limits are across major insurers, and how to use the benefit correctly.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6ab57f3219188\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6ab57f3219188\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#How_Free_Car_Towing_Works_with_Insurance_Takaful\" title=\"How Free Car Towing Works with Insurance &amp; Takaful\">How Free Car Towing Works with Insurance &amp; Takaful<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#Free_Towing_Limits_by_Insurer_Comprehensive_Cover\" title=\"Free Towing Limits by Insurer (Comprehensive Cover)\">Free Towing Limits by Insurer (Comprehensive Cover)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#Insurers_with_Distance%E2%80%91Based_Free_Towing\" title=\"Insurers with Distance\u2011Based Free Towing\">Insurers with Distance\u2011Based Free Towing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#Insurers_with_Cost%E2%80%91Based_Free_Towing\" title=\"Insurers with Cost\u2011Based Free Towing\">Insurers with Cost\u2011Based Free Towing<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#Special_Mentions_Flood_Towing_and_Extra_Benefits\" title=\"Special Mentions: Flood Towing and Extra Benefits\">Special Mentions: Flood Towing and Extra Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#How_to_Request_Towing_from_Your_Insurer\" title=\"How to Request Towing from Your Insurer\">How to Request Towing from Your Insurer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#Common_Questions_About_Free_Car_Towing\" title=\"Common Questions About Free Car Towing\">Common Questions About Free Car Towing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/free-car-towing-in-malaysia\/#Choosing_a_Policy_with_Good_Towing_Benefits\" title=\"Choosing a Policy with Good Towing Benefits\">Choosing a Policy with Good Towing Benefits<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Free_Car_Towing_Works_with_Insurance_Takaful\"><\/span><strong>How Free Car Towing Works with Insurance &amp; Takaful<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Free towing is typically included with comprehensive private car policies (not basic third\u2011party cover).<\/p>\n\n\n\n<p>Insurers and takaful operators usually offer either:<\/p>\n\n\n\n<ul><li><strong>A distance limit<\/strong> (e.g., up to 100\u2013150 km per breakdown)<\/li><li><strong>A cost limit<\/strong> (e.g., up to RM200\u2013RM400 per year or per incident)<\/li><\/ul>\n\n\n\n<p>If your tow exceeds the limit, you pay the excess distance or cost directly to the towing provider, as per the insurer\u2019s terms. Towing is normally arranged via the insurer\u2019s 24\u2011hour hotline to their approved panel workshops or towing partners.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Free_Towing_Limits_by_Insurer_Comprehensive_Cover\"><\/span><strong>Free Towing Limits by Insurer (Comprehensive Cover)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The following reflects the standard free towing benefit shown on BJAK\u2019s comparison page for comprehensive private car cover. Exact terms can still vary by plan, vehicle type, and policy wording, so always check your certificate\/schedule.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Insurers_with_Distance%E2%80%91Based_Free_Towing\"><\/span><strong>Insurers with Distance\u2011Based Free Towing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Liberty General Insurance:<\/strong> Free 24\u2011hour emergency towing up to 150 km.<\/li><li><strong>Allianz General Insurance:<\/strong> Free 24\u2011hour emergency towing up to 150 km.<\/li><li><strong>Zurich General Takaful:<\/strong> Free 24\u2011hour towing up to 150 km annually.<\/li><li><strong>Takaful Ikhlas:<\/strong> Free 24\u2011hour emergency towing up to 100 km.<\/li><li><strong>Takaful Malaysia:<\/strong> Free 24\u2011hour towing (no specific km stated in the summary; generally distance\u2011based with panel arrangements).<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Insurers_with_Cost%E2%80%91Based_Free_Towing\"><\/span><strong>Insurers with Cost\u2011Based Free Towing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>These insurers state a ringgit cap for free towing rather than a fixed kilometre limit:<\/p>\n\n\n\n<ul><li><strong>Chubb Insurance:<\/strong> Free towing up to RM400 annually.<\/li><li><strong>Pacific &amp; Orient Insurance:<\/strong> Free towing up to RM350.<\/li><li><strong>RHB Insurance:<\/strong> Free towing up to RM300.<\/li><li><strong>Tune Insurance:<\/strong> Free towing up to RM300.<\/li><li><strong>MSIG Insurance:<\/strong> Free towing up to RM300.<\/li><li><strong>Great Eastern General Insurance:<\/strong> Free towing up to RM300.<\/li><li><strong>Generali Insurance Malaysia:<\/strong> Free towing up to RM300.<\/li><li><strong>Berjaya Sompo Insurance:<\/strong> Free towing up to RM300.<\/li><li><strong>Tokio Marine Insurans:<\/strong> Free towing up to RM250.<\/li><li><strong>Lonpac Insurance:<\/strong> Free towing up to RM200.<\/li><li><strong>AIG Malaysia Insurance:<\/strong> Free 24\u2011hour emergency towing up to RM200 (plus specific flood towing benefit).<\/li><\/ul>\n\n\n\n<p><strong>Note:<\/strong> Some operators (e.g., Takaful Malaysia, Zurich Takaful) highlight \u201cfree 24\u2011hour towing\u201d without a single headline km\/cap in the summary table; the exact limit is set in the policy wording and may depend on vehicle class and panel arrangements.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Special_Mentions_Flood_Towing_and_Extra_Benefits\"><\/span><strong>Special Mentions: Flood Towing and Extra Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A few insurers explicitly include flood\u2011related towing or cleanup as part of their add\u2011on or standard benefits, which can be valuable during monsoon season:<\/p>\n\n\n\n<ul><li><strong>AIG:<\/strong> Offers Flood Towing as a specific benefit (towing and related assistance after flood).<\/li><li><strong>Lonpac:<\/strong> Offers Flood Towing &amp; Cleaning as a paid add\u2011on (covers towing and professional cleaning after flood damage).<\/li><li><strong>Takaful Malaysia &amp; Zurich Takaful:<\/strong> Also list Flood Towing &amp; Cleaning as an available add\u2011on.<\/li><\/ul>\n\n\n\n<p>If you live in a flood\u2011prone area, consider adding a <strong>Flood &amp; Natural Disaster Protection<\/strong> add\u2011on (available from most insurers on BJAK) together with flood towing where offered.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Request_Towing_from_Your_Insurer\"><\/span><strong>How to Request Towing from Your Insurer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When your car breaks down or is involved in an accident:<\/p>\n\n\n\n<ol><li><strong>Move to a safe location:<\/strong> Switch on hazard lights, set up a warning triangle if available, and get yourself and your passengers to a safe spot.<\/li><li><strong>Call your insurer\u2019s 24\u2011hour hotline:<\/strong> Use the number on your insurance card, policy document, or the insurer\u2019s website. <em>Do not arrange a private tow first if you intend to claim under the policy\u2019s free towing benefit.<\/em><\/li><li><strong>Provide key details:<\/strong> Your name, IC, policy number (if known), vehicle registration number, contact number, exact location, and nature of breakdown\/accident.<\/li><li><strong>Follow instructions:<\/strong> The insurer will dispatch an approved towing provider to bring your car to a panel workshop or a location they approve, within your free towing limit.<\/li><li><strong>Know your limit:<\/strong> Ask the operator or check your policy wording for your free towing distance or cost cap, so you\u2019re aware if any excess charges may apply.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Common_Questions_About_Free_Car_Towing\"><\/span><strong>Common Questions About Free Car Towing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Do I have to pay anything for insurer\u2011arranged towing?<\/strong><\/p>\n\n\n\n<p>Within your policy\u2019s free towing limit (distance or cost), you generally pay nothing. If the tow exceeds the limit, you pay the excess as defined by the insurer (per km or amount above the cap).<\/p>\n\n\n\n<p><strong>Can I use any towing company and claim reimbursement?<\/strong><\/p>\n\n\n\n<p>Some policies allow reimbursement if you use a non\u2011panel tow, but this is not universal and often subject to stricter documentation and limits. To avoid disputes, always call your insurer first and use their approved provider unless they explicitly tell you otherwise.<\/p>\n\n\n\n<p><strong>Does free towing apply to all types of policies?<\/strong><\/p>\n\n\n\n<p>Free towing is mainly for comprehensive private car insurance\/takaful. Basic third\u2011party or third\u2011party fire &amp; theft policies usually do not include free towing unless specifically stated.<\/p>\n\n\n\n<p><strong>How many times can I use free towing?<\/strong><\/p>\n\n\n\n<p>This depends on the insurer. Some define it as per breakdown\/incident with no explicit annual count. Others set an annual cap (e.g., \u201cup to RM400 per year\u201d for Chubb), which effectively limits total usage. Check your policy wording or ask your insurer for the exact terms.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Choosing_a_Policy_with_Good_Towing_Benefits\"><\/span><strong>Choosing a Policy with Good Towing Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When comparing car insurance on BJAK, look beyond the premium and check:<\/p>\n\n\n\n<ul><li>Whether towing is distance\u2011based or cost\u2011based.<\/li><li>The km or RM limit and whether it\u2019s per incident or annual.<\/li><li>Whether flood towing or roadside assistance extras (jump\u2011start, battery delivery, tyre change) are included.<\/li><\/ul>\n\n\n\n<p>Use BJAK\u2019s comparison table to see side\u2011by\u2011side which of the 16 insurers include free towing and what other roadside benefits come with them.<\/p>\n\n\n\n<p>For the latest, insurer\u2011specific details and to compare quotes, refer to <a href=\"https:\/\/bjak.my\/en\/car-insurance\/compare-insurance?utm_source=gemini\" target=\"_blank\" rel=\"noreferrer noopener\">BJAK&#8217;s Car Insurance Comparison<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=free-car-towing-in-malaysia\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You can enjoy free car towing by your insurer. <\/p>\n<p>Here is what you need to know about free towing by insurance and takaful companies in Malaysia. <\/p>\n","protected":false},"author":39,"featured_media":5524,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Free Car Towing in Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"You can enjoy free car towing by your insurer. 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