All Drivers Car Insurance
In Malaysia, a standard comprehensive car insurance policy includes a specific condition: if an unnamed driver (someone not explicitly listed on your policy schedule) is involved in an accident while driving your car, you must pay a compulsory excess of RM400 before your claim is processed. The All Drivers add-on waives this compulsory excess, allowing any licensed driver to operate your vehicle with full coverage. While it is one of the most cost-effective add-ons available - and even offered free of charge by select insurers - it is often listed on policy quotes under technical phrasing like "waiver of compulsory excess for unnamed driver." This guide breaks down how the clause works, who needs it, and which insurance providers offer it free of charge.
- The rule - an unnamed driver at the wheel = RM400 compulsory excess on any own-damage claim (Liberty, MSIG, Berjaya Sompo PDS).
- All Drivers cover - waives the unnamed-driver excess, so anyone with a valid licence can drive and claim as if they were you.
- Still applies - the RM400 excess for drivers under 21 or on a P or L licence - All Drivers does not remove that.
- Free with - Syarikat Takaful Malaysia, Zurich General Takaful and Lonpac; Takaful Ikhlas covers all authorised drivers on Comprehensive Plus.
The RM400 compulsory excess for unnamed drivers
Every Malaysian motor policy's Product Disclosure Sheet (PDS) includes a standard compulsory excess clause. For example, Liberty General Insurance states: "A compulsory excess of RM400 will apply if you or the person driving your vehicle with your consent is under 21 years old, holds a Provisional (P) or Learner (L) driver's licence, or is not named in the policy schedule." Leading insurers like Berjaya Sompo and MSIG enforce identical terms, as this is a standardized motor policy regulation across Malaysia.
An excess represents the initial out-of-pocket amount you must pay toward an own-damage claim. If an unnamed driver - such as a family member or friend - dents your vehicle and repair costs total RM2,000, your insurer covers RM1,600 while you pay the RM400 compulsory excess. This payment is separate from any voluntary excess selected at policy signup and may affect your No Claim Discount (NCD). Conversely, if you (the policyholder) or an officially named driver were driving, the RM400 unnamed driver excess does not apply.
Insurers apply this rule because policy premiums are calculated based on the primary policyholder's risk profile. Unnamed drivers represent an unassessed risk, and the RM400 compulsory excess serves as a standard risk-mitigation measure.
"Waiver of compulsory excess for unnamed driver" - what it means
On formal quotations and schedules, All Drivers cover is often designated as "Waiver of compulsory excess for unnamed driver" (or Tokio Marine's standard add-on phrasing). This clause officially confirms that the insurer will waive the RM400 fee typically assessed for an unnamed driver. Under this coverage, any individual holding a valid full driving licence can drive your vehicle, and any own-damage claim will be processed without triggering the unnamed driver penalty.
Insurers may use various terminology on policy documents, including *All Drivers*, *All Driver Cover*, *Unnamed Driver Cover*, *Extended Driver Cover*, or in Bahasa Malaysia, *perlindungan semua pemandu*. When reviewing your policy, verify two essential conditions: that coverage extends to *any* legally licensed driver (rather than a restricted list of named drivers) and that it explicitly applies to own-damage claims (as third-party bodily injury and property damage liabilities are covered by law regardless of who is driving).
Named driver vs all driver cover
Named driver and all driver cover compared:
| Named driver | All drivers | |
|---|---|---|
| What it means | You list specific people on the policy - spouse, child, driver. Each is assessed and covered without the unnamed excess. | Any person with a valid licence is covered without the unnamed excess. Nobody needs to be listed. |
| Cost | Most partners include 1 additional named driver free; Takaful Ikhlas includes 10. Extra names carry a small premium. | Free with three partners; a modest add-on elsewhere. Zurich prices it by vehicle ownership type (private vs company). |
| Best when | The same one or two people always drive the car | The car is shared in a household, lent to friends, or driven by staff |
| Gap | A friend or relative not on the list still triggers the RM400 excess | Under-21 and P/L-licence drivers still trigger their excess - see below |
| Claims | Own-damage claim with a named driver at the wheel: no compulsory excess | Own-damage claim with any licensed driver: no unnamed-driver excess |
Under-21 and P-licence drivers: what All Drivers does not fix
It is important to note that the standard compulsory excess clause contains three distinct criteria: drivers under 21 years old, holders of Provisional (P) or Learner (L) licences, and unnamed drivers. All Drivers cover waives only the unnamed driver excess. If a 19-year-old child or a P-licence holder drives your car, the RM400 compulsory excess still applies, even if they are explicitly named on the policy or if you hold All Drivers coverage. Certain insurers, such as Zurich (under its Z-Driver policy), offer a separate add-on specifically waiving the age and P/L-licence excess.
If young or probationary drivers frequently operate your vehicle, ensure you inquire about both waivers. If they drive the vehicle only on rare occasions, securing All Drivers coverage alone remains the most practical choice while accounting for the potential RM400 excess in the event of a claim.
Which insurers include all drivers cover free
Driver cover included with comprehensive policies, BJAK partners (September 2026):
| Partner | Included free | Note |
|---|---|---|
| Syarikat Takaful Malaysia | All drivers | Also free PA RM15,000 per driver and passenger |
| Zurich General Takaful | All drivers | Takaful line; the insurance line prices it by ownership type |
| Lonpac | All drivers | "Free coverage for all drivers" |
| Takaful Ikhlas | 10 additional drivers | Comprehensive Plus covers all authorised drivers; 10 named free |
| Allianz, Liberty, MSIG, Tokio Marine, Berjaya Sompo, Chubb, Great Eastern, Tune, Generali, RHB, Pacific & Orient | 1 additional named driver | All Drivers available as a paid add-on |
| AIG | - | All Drivers available as a paid add-on |
As listed on each partner's BJAK page; the Product Disclosure Sheet is binding. If you share a car, the three free-All-Drivers partners are worth comparing first - the benefit is worth more than a small premium difference.
Who needs all drivers cover
Take it if
- A spouse, sibling or parent drives the car and is not named
- You lend the car to friends or relatives even occasionally
- A driver or employee drives it
- The car belongs to a company and several staff use it
- You want a valet or workshop driver covered without an argument at claim time
Skip it if
- You are the only person who ever drives the car
- Exactly one other person drives it - name them instead; most partners include one free
- You are on third party or TPFT cover - the add-on attaches to comprehensive only
How to add all drivers cover
- Enter your plate number and NRIC on the quote page; BJAK applies your NCD.
- In the results, look for "All Drivers", "Waiver of compulsory excess for unnamed driver" or the partner's equivalent under add-ons. Partners that include it free show it in their benefits.
- If you prefer named drivers, add their names and licence details at the same step.
- Check the schedule after purchase: the waiver should appear as a line item. If it doesn't, it isn't there.
Data sources & references
Limits, rates and benefits are taken from the current Product Disclosure Sheets and policy wordings published by BJAK's insurer and takaful partners, each linked from its partner page. Premium examples are the insurers' own illustrations, not quotes.
- Liberty General Insurance - Private Car PDS: RM400 compulsory excess for under-21, P/L licence or unnamed driver. Partner page
- Berjaya Sompo - Private Car PDS: same compulsory excess clause; All Driver add-on. Partner page
- MSIG - Private Car PDS: RM400 compulsory excess. Partner page
- Tokio Marine - Private Car Plus PDS: "Waiver of Compulsory Excess for Unnamed Driver" add-on; Named Driver(s) add-on. Partner page
- Zurich General Insurance - Z-Driver PDS: separate waiver for under-21 / P-licence excess; All Driver priced by vehicle ownership. Partner page
- BJAK - partner pages for Takaful Malaysia, Zurich Takaful, Lonpac, Takaful Ikhlas (free driver cover as listed); Insurance & Takaful Partners.
See which partners include all drivers cover free for your car
Enter your plate number and NRIC. BJAK quotes comprehensive cover from up to 16 partners with each one's included benefits side by side - so a shared family car goes to the insurer that covers every driver at no extra cost.