What optional benefits can I add to car insurance in Malaysia?

The usual ones are windscreen cover, flood and special perils, legal liability to passengers, current-year NCD relief, personal accident cover, all drivers coverage and e-hailing use. Not every insurer sells every one of them, which is what the table above sets out row by row.

What is the difference between an included benefit and a paid add-on?

An included benefit is already priced into the comprehensive premium, so selecting it costs nothing more. A paid add-on is optional and increases your premium if you choose it during checkout. The table separates the two so you can see the real cost of matching two insurers on the same level of cover.

Which insurers include all drivers coverage at no extra cost?

Only a few, and the All Drivers Coverage row above shows which. Most insurers in Malaysia restrict it to company-owned vehicles, which is why it is absent from so many columns. It matters because a policy otherwise covers only the drivers named on it, and a claim by anyone else can be reduced or refused.

Does every driver get the same add-ons from an insurer?

No. The table shows what each insurer offers on comprehensive private car cover in general. Whether a specific add-on is available to you can still depend on your vehicle, its age, its sum insured and your claims history, so your quote is the final word.

Compare Car Insurance Add-Ons — 16 Malaysian Insurers

Takaful Partners

Syarikat Takaful Malaysia Am Berhad

FREE All Drivers CoverageFREE 24-hour towing up to 50km every trip, no trip limitFREE 24-hour roadside assistance program

Takaful Ikhlas General Berhad

FREE 24 hours Emergency towing up to 100kmFREE 24 hours Roadside Assistance - Bantuan IkhlasFREE Additional 10 drivers

Zurich General Takaful Malaysia Berhad

FREE 24-hour Towing up to 150km annuallyFREE 24-hour roadside assistance programFREE All Drivers

Insurer Partners

Liberty General Insurance Berhad

FREE 24-hour Emergency Towing up to 150kmFREE 24-hour Roadside AssistanceFREE Jumpstart or change of battery service

Allianz General Insurance Company (Malaysia) Berhad

FREE 24-hour Emergency Towing up to 150kmFREE 1 Additional DriverFREE 24-hour Claim Assistance

RHB Insurance Berhad

FREE 24-hour Towing up to RM 300FREE 24-hour Roadside AssistanceFREE Jumpstart or change of battery service

Pacific & Orient Insurance Co. Berhad

FREE 24-hour Towing up to RM 350FREE 24-hour Roadside AssistanceFREE Jumpstart or change of battery service

Tokio Marine Insurans (Malaysia) Berhad

FREE 24-hour Towing up to RM 250FREE 24-hour roadside assistance programFREE 1 Additional Driver

Tune Insurance Malaysia Berhad

FREE 24-hour Towing up to RM 300FREE 24-hour roadside assistance programFREE 1 Additional Driver

MSIG Insurance (Malaysia) Bhd

FREE 24-hour Towing up to RM 300FREE 24-hour roadside assistance programFREE 1 Additional Driver

Chubb Insurance Malaysia Berhad

FREE 24-hour Towing up to RM400 annuallyFREE 24-hour roadside assistance programFREE 1 Additional Driver

Great Eastern General Insurance (Malaysia) Berhad

FREE 24-hour Towing up to RM 300FREE 24-hour roadside assistance programFREE 1 Additional Driver

Lonpac Insurance Bhd

FREE 24-hour towing (up to RM200)FREE 24-hour roadside assistanceFREE coverage for all drivers

Berjaya Sompo Insurance Berhad

FREE 24-hour Towing up to RM 300FREE 24-hour roadside assistance programFREE 1 Additional Driver

AIG Malaysia Insurance Berhad

FREE 24-hour Emergency towing up to RM 200FREE Flood TowingFREE delivery and installation of a new battery during breakdown

Generali Insurance Malaysia Berhad

24-hour Emergency towing up to RM 300FREE 1 Additional Driver24-hour roadside assistance program

How to Compare Car Insurance in Malaysia

Watch this video to learn how to compare car insurance quotes in Malaysia — what to look for in coverage, pricing, and insurer benefits before you decide.

Video Summary: Comparing Car Insurance

This video explains how to compare car insurance in Malaysia step by step. It covers the key differences between insurers, how to evaluate coverage types and premiums, what add-ons are worth considering, and how to use BJAK to get side-by-side quotes from multiple providers — helping you choose the best policy for your needs and budget.

Key Takeaways

Compare quotes from 16 insurers on one platform to find the best price.
Look beyond the premium — check coverage limits, excess amounts, and exclusions.
Evaluate insurer benefits like free towing, roadside assistance, and windscreen coverage.
Understand the difference between comprehensive, third-party fire & theft, and third-party policies.
Use BJAK to instantly compare and renew your car insurance online.

Car Insurance Tips Most Drivers Don't Know

Discover lesser-known car insurance tips in Malaysia that can help you save money, avoid claim rejections, and get the most out of your policy.

Video Summary: Car Insurance Tips for Malaysian Drivers

This video reveals practical car insurance tips that most Malaysian drivers overlook. It covers how to avoid common mistakes when making claims, ways to reduce your premium without sacrificing coverage, how NCD works in your favour, and what to check before renewing your policy — so you can make smarter insurance decisions.

Key Takeaways

Avoid making small claims to preserve your No Claim Discount (NCD) and save long-term.
Check your sum insured before renewal — underinsurance can lead to reduced claim payouts.
Review your add-ons annually to avoid paying for coverage you no longer need.
Compare quotes every year — loyalty doesn't always mean the best price.
Know the claim process before you need it to avoid delays and rejections.

Car insurance add-ons compared, insurer by insurer

Which optional benefits each of our partners offers on comprehensive private car cover, and the few they include at no extra cost. Insurers are listed alphabetically and are not ranked. Add-ons restricted to company-owned vehicles are left out, and whether an insurer can offer you a given add-on still depends on your vehicle, its age and your claims history.

Included: Included at no extra cost
Available: Offered as a paid add-on
—: Not offered on comprehensive cover

Comprehensive car insurance add-ons by insurer in Malaysia
Add-on	AIG	Allianz	Berjaya Sompo	Chubb	Generali	Great Eastern	Liberty	Lonpac	MSIG	Pacific & Orient	RHB	Takaful IkhlasTakaful	Takaful MalaysiaTakaful	Tokio Marine	Tune	Zurich TakafulTakaful
Legal Liability to PassengersProtects you against legal action brought by passengers in your vehicle.	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on
Legal Liability of Passengers for NegligenceCovers bodily injury caused by the negligence of your passengers.	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on
Windscreen CoverageCovers breakage of your windscreen, windows and sunroof.	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on
Strike, Riot & Civil CommotionCovers damage caused by strikes, riots and civil commotion.	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on
Flood & Natural Disaster ProtectionCovers damage from flood, storm and other natural disasters.	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on
Current Year NCD ReliefCompensates the no-claim discount you would otherwise lose after a claim.	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover
Personal Accident CoveragePays out for death or permanent disability from an accident in your vehicle.	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on
All Drivers CoverageExtends cover to any driver using your car, with no named-driver limit.	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Included at no extra cost	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Included at no extra cost	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover
Compensation for Assessed Repair Time (CART)Pays an allowance for the time your vehicle is assessed and repaired.	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover
Flood Towing & CleaningCovers towing and professional cleaning after flood damage.	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on
Car Key ReplacementCovers replacing lost, stolen or damaged keys, including reprogramming.	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover
E-Hailing CoverExtends cover while you drive for e-hailing platforms.	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover
Waiver of BettermentRemoves the betterment cost you would otherwise pay towards new parts.	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Offered as a paid add-on
Bantuan Ikhlas Supreme - Silver PackageTakaful Ikhlas roadside assistance package for eligible vehicles.	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover
Daily Repair AllowancePays a daily allowance while your car is in the workshop.	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover
Spray Paint ProtectionCovers the cost of spray painting during repairs.	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover
Tyres & Rims ProtectionCovers repairing or replacing damaged tyres and rims.	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover
EV Charger ProtectionCovers your EV charger against theft and accidental damage.	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover
Break-In ProtectionReimburses personal belongings stolen from your vehicle.	Offered as a paid add-on	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover	Not offered on comprehensive cover