Daily vs Annual E-Hailing Insurance: Costs, Coverage & Differences
If you drive for an e-hailing platform in Malaysia, you need insurance that covers your e-hailing activities. BJAK offers e-hailing insurance from Allianz with daily and annual cover, and daily cover from Generali. The right option depends on how often you drive, your budget, eligibility and your platform's requirements.
- Last reviewed:
- Reviewed by:
- Compliance
What is e-hailing insurance?
E-hailing insurance provides protection for using your car to carry paying passengers. Standard private car insurance may not automatically cover e-hailing trips, so check that your policy permits this use.
Depending on the policy, protection may include damage to your car, third-party liability, passenger liability and personal accident benefits for the authorised driver. Benefits, limits and exclusions vary by insurer and product.
E-hailing insurance options available on BJAK
BJAK offers e-hailing cover from Allianz and Generali, subject to vehicle eligibility and available products.
| Insurer | Daily cover | Annual cover |
|---|---|---|
| Allianz | Available, subject to eligibility | Available, subject to eligibility |
| Generali | Available, subject to eligibility | Not listed as available on BJAK |
Daily cover may suit occasional drivers, while annual cover may be more practical for regular drivers. Compare the actual price, coverage period, benefits and eligibility before deciding.
Daily vs annual e-hailing insurance
| Feature | Daily cover | Annual cover |
|---|---|---|
| Coverage period | Depends on the product's activation rules | As stated in the policy |
| Payment | May be charged for eligible days of cover | Based on the annual policy or add-on price |
| Suitable for | Occasional or part-time drivers | Regular or full-time drivers |
| Days not driving | Charges depend on activation and payment rules | Annual policy cost remains payable |
| Platform eligibility | Depends on the product | Depends on the insurer and policy |
| Coverage benefits | Subject to policy terms | Subject to policy terms |
Important
Do not assume every product covers all e-hailing platforms or follows the same activation schedule. Confirm when cover starts and ends, which platforms are eligible and whether your policy is active before accepting bookings.
Which option is cheaper?
Neither option is always cheaper. Estimate your daily-cover cost using the actual rate and expected chargeable days, then compare it with the annual price available to you.
| Driving frequency | Daily-cover cost estimate |
|---|---|
| 5 days a month | Daily rate × 5 days |
| 15 days a month | Daily rate × 15 days |
| 25 days a month | Daily rate × 25 days |
| Every working day | Daily rate × all chargeable days |
These are examples, not actual quotations. Compare the estimated cost over 12 months and consider coverage limits, exclusions and platform eligibility as well as price.
Use the BJAK car insurance price calculator to estimate your car insurance price, and check the available e-hailing cover options.
Who should choose daily or annual cover?
Daily cover
May suit you if you:
- Drive part-time or accept bookings on selected days.
- Prefer paying for eligible days of cover.
- Qualify for a daily product that supports your vehicle and platform.
Annual cover
May suit you if you:
- Drive regularly or rely on e-hailing for income.
- Expect to accept bookings throughout the year.
- Prefer cover arranged for the policy period.
Whichever option you choose, check the activation rules, eligible platforms and policy conditions before driving.
What should you check before buying?
| What to check | Why it matters |
|---|---|
| Coverage period and activation | Know when protection starts and ends. |
| Eligible platforms | Confirm which operators you can drive for. |
| Vehicle damage and liability | Check the protection and applicable limits. |
| Driver benefits | Confirm whether personal accident benefits are included. |
| Exclusions and excess | Understand what is excluded and what you may need to pay. |
| Insurer and platform requirements | Make sure the policy meets the applicable conditions. |
Some e-hailing products are add-ons to an insurer's comprehensive motor policy. For example, Allianz's e-hailing add-on requires an Allianz Comprehensive Motor policy. Do not assume you can buy e-hailing cover from a different insurer; check the conditions of the specific product.
How to get e-hailing insurance through BJAK
Check your current car insurance
Identify your insurer and existing policy.
Compare available e-hailing cover
BJAK offers daily and annual options from Allianz and daily cover from Generali, subject to eligibility.
Review the terms
Check the price, coverage, exclusions and eligible platforms.
Choose suitable cover
Follow the applicable purchase process.
Confirm your documents
Ensure your cover is active and meet your platform's requirements before driving.
Visit BJAK's e-hailing insurance page to explore available options.
Frequently asked questions
You need insurance that permits e-hailing use and meets the applicable requirements when carrying paying passengers. Standard private car insurance may not automatically cover these trips.
Drivers must also meet relevant operating requirements, including a valid Public Service Vehicle (PSV) licence and E-Hailing Vehicle Permit (eVP), where applicable. Check current requirements with your platform, insurer and the relevant authority.
Yes. BJAK offers daily and annual e-hailing cover from Allianz, as well as daily cover from Generali. Availability depends on your vehicle, eligibility and the options offered at the time of quotation.
Not always. Some products may be limited to a specific operator. Check the policy terms if you drive for more than one platform.
No. Daily cover may suit occasional drivers, while annual cover may offer better value for frequent drivers. Compare the actual cost and benefits of the options available to you.
It may cover eligible vehicle damage and certain liabilities while the cover is active. The benefits, exclusions and claim conditions depend on your policy.
Not always. Some products require your private motor insurance and e-hailing add-on to be with the same insurer. Check the specific product terms before purchasing.
Compare e-hailing insurance options with BJAK
Choose cover based on how often you drive, which platform you use and the protection you need. Compare Allianz's daily and annual options with Generali's daily cover, and check the terms before deciding.