Car Insurance for Foreigners in Malaysia
Driving in Malaysia as a foreigner? Find car insurance that fits your needs, vehicle and coverage requirements.
Top 10 Insurtech Company Globally (2026)Can foreigners buy car insurance in Malaysia?
Yes, eligible foreigners can arrange car insurance in Malaysia, subject to the requirements of the insurer and the vehicle.
BJAK currently provides car insurance options for vehicles registered in Malaysia when the owner is a non-Malaysian.
The type of cover you need is generally the same as for other private vehicles. What may differ are the identification documents and eligibility requirements.
What type of car insurance do foreigners need?
Foreigners can choose from the same main types of motor insurance, subject to insurer approval and eligibility.
- Comprehensive
Your own car as well as third-party liabilities, subject to the policy terms. Read the comprehensive car insurance guide.
- TPFT
Third-party liabilities, plus fire and theft of your own car. Read the TPFT insurance guide.
- Third party
Liability to other people only. Read the third-party car insurance guide.
The right cover depends on your vehicle, how you use it, its value and the insurer's requirements.
What documents do foreigners need for car insurance?
The documents required can vary depending on the insurer, vehicle and application. You may be asked for:
- Passport or other accepted identification
- Vehicle registration details
- Driving licence
- Vehicle ownership documents
- Previous insurance information, where applicable
- NCD information, where applicable
Check the requirements before completing your application, as additional documents may be requested depending on your situation.
Can foreigners use a passport to buy car insurance?
Yes. BJAK's car insurance quote flow has a "Use Passport instead?" option for customers who do not use an NRIC.
Where to find it
Start from the car insurance quote page and choose the passport option for your application. Eligibility and document requirements may still depend on the insurer.
How much is car insurance for foreigners in Malaysia?
There is no fixed price specifically for foreigners.
What your premium can depend on
- Vehicle model
- Vehicle value
- Sum insured
- Driver profile
- Location
- NCD
- Type of cover
- Vehicle usage
- Selected add-ons
- Insurer
Motor insurance prices can differ between insurers because each insurer assesses risk and prices its cover differently. You can use the car insurance calculator to get an estimate, then compare actual quotes.
Can foreigners get NCD?
NCD is based on eligible claim-free insurance history rather than simply whether you are Malaysian or a foreigner.
If you already have an eligible NCD record, check that the correct discount is reflected in your quote. You can use the NCD checker to check your current NCD where available.
How to choose car insurance as a foreigner
Five things to get right before you pay.
Check what identification is accepted
Make sure the insurer accepts your identification documents and that the details match your application. On BJAK, start with the car insurance quote page and select the passport option where available.
Choose the right coverage
Compare comprehensive, TPFT and third-party options based on your vehicle and needs.
Check your sum insured
The sum insured affects your premium and can affect your claim payout if your car is stolen or declared a total loss.
Check your NCD
Make sure your eligible NCD is correctly reflected before paying for your policy.
Compare insurers
Prices, benefits, add-ons and eligibility can differ between insurers, so compare available options rather than assuming your previous insurer will have the same price.
What should you check before buying car insurance?
Before buying, go through these four areas.
- You and the car
Your identification details, vehicle registration details, vehicle usage and driver restrictions.
- Cover
Type of cover, sum insured, optional add-ons, flood protection and windscreen protection.
- Cost
NCD and excess.
- Terms
Policy exclusions, and the policy start and expiry dates.
Read the Product Disclosure Sheet (PDS) and policy terms before making payment.
Car insurance for foreigners vs Malaysian citizens
The basic types of car insurance are generally the same.
| Foreigners | Malaysian citizens | |
|---|---|---|
| Comprehensive insurance | Available subject to eligibility | Available subject to eligibility |
| TPFT | Available subject to eligibility | Available subject to eligibility |
| Third party | Available subject to insurer approval | Available subject to insurer approval |
| NCD | Based on eligible insurance history | Based on eligible insurance history |
| Identification | Passport or accepted ID may be required | NRIC normally used |
| Premium | Depends on vehicle and risk factors | Depends on vehicle and risk factors |
The main difference is usually the identification and eligibility requirements rather than a completely different type of motor insurance.
How to renew car insurance as a foreigner
Before renewing, check:
- 1
Your vehicle details
- 2
Your identification details
- 3
Your NCD
- 4
Your sum insured
- 5
Your current coverage
- 6
Your add-ons
- 7
Your policy expiry date
You can review what to check before renewal in our car insurance renewal guide.
Car insurance for foreigners FAQs
Yes, eligible foreigners can apply for car insurance in Malaysia, subject to insurer and vehicle requirements.
BJAK's current quote flow provides a passport option for customers who do not use an NRIC. The insurer may still require additional documents depending on the application.
There is no fixed foreigner-specific price. The premium depends on factors such as the vehicle, sum insured, NCD, driver profile, location, cover and insurer.
Eligible NCD depends on your insurance history and the applicable insurer rules. Check your current NCD before renewing.
Yes, subject to eligibility and insurer approval. Comprehensive insurance covers your own vehicle as well as third-party liabilities, subject to the policy terms.
Eligible customers can apply for and renew car insurance online. Start with the BJAK car insurance quote page and check the identification options available to you.
Yes. You can compare available insurance and takaful options through BJAK's car insurance comparison page.