Does motorcycle insurance cover flood?

Not automatically. Flood and other natural-disaster protection may be available through Special Perils, depending on the insurer and policy.

Does motorcycle insurance cover accidents?

Comprehensive motorcycle insurance can cover accidental damage to your own motorcycle, subject to the policy terms. Third-party and TPFT policies do not normally cover accidental damage to your own motorcycle.

Does motorcycle insurance cover the rider?

Motorcycle insurance does not automatically mean your own bodily injury is covered. Check whether Personal Accident or another relevant benefit is included or available.

How much is motorcycle insurance in Malaysia?

The price varies depending on your motorcycle, sum insured, NCD, risk factors, insurer, coverage and add-ons. The best way to know your actual price is to compare motorcycle insurance quotes.

How can I get cheap motorcycle insurance?

Compare multiple quotes, check your NCD, review your coverage and only choose add-ons you need. Don't compare price alone.

What is NCD for motorcycle insurance?

NCD is a discount that can reduce your premium when you maintain a claim-free record, subject to the applicable policy and insurer rules.

Can I keep my motorcycle NCD if I switch insurers?

Eligible NCD can generally be carried over when switching insurers, subject to the applicable rules.

Can I renew motorcycle insurance online?

Yes. You can get motorcycle insurance quotes, compare available policies and renew online through BJAK.

Can I renew motorcycle insurance and road tax together?

Yes, where the service is available. You can add road tax during the renewal process.

Can I pay motorcycle insurance by instalment?

Eligible customers may have access to instalment, BNPL or credit-card payment plans. Options depend on the provider and transaction.

What documents do I need for motorcycle insurance?

The information required can vary, but you will generally need your motorcycle registration details and owner information. Additional information may be requested depending on the insurer.

Can I switch motorcycle insurers when I renew?

Yes. You don't have to automatically renew with your existing insurer. Compare available motorcycle insurance quotes before making your decision.

Can I buy motorcycle insurance for an old motorcycle?

Yes, subject to the insurer's eligibility and underwriting requirements. Compare the available coverage and consider whether comprehensive, TPFT or third-party protection makes the most sense for your motorcycle.

Can I insure a big bike?

Yes, subject to the insurer's eligibility requirements. For high-value motorcycles, pay particular attention to sum insured, coverage, theft protection, excess and available add-ons.

Can I use my motorcycle for delivery work?

Don't assume your standard motorcycle policy covers paid delivery work. Check the policy's permitted use and whether additional cover is required.

Motorcycle Insurance Malaysia - Compare 16 Insurers & Renew Online

What is motorcycle insurance?

Motorcycle insurance protects you financially against specific losses or liabilities involving your motorcycle. Depending on the policy you choose, it can pay out for:

Accident damage

Repairs to your own motorcycle after an accident.

Theft

Losing your motorcycle to theft.

Fire

Fire damage to your motorcycle.

Harm to other people

Injury, death or property damage you cause to others.

Flood and natural disasters

Selected disasters, where Special Perils cover is included.

Optional add-ons

Other risks covered by the add-ons you choose.

How much protection you actually get depends on your type of cover, the policy terms and exclusions, and any add-ons. Bank Negara Malaysia lists four main types of motor cover: Act, Third Party, Third Party Fire & Theft and Comprehensive.

Compare motorcycle insurance

Is motorcycle insurance compulsory in Malaysia?

Yes. You need valid motor insurance or takaful before you can legally ride your motorcycle on a public road. The legal minimum is third-party cover.

What the legal minimum covers

Injury or death to others
Your liability if someone is hurt or killed in an incident you cause.
Damage to other people's property
Your liability for property you damage, such as another vehicle.

What it leaves out

Accident damage to your motorcycle
Repairs to your own bike are on you.
Fire
Your motorcycle isn't covered if it catches fire.
Theft
Your motorcycle isn't covered if it's stolen.

Want your own motorcycle covered?

Consider third party, fire & theft (TPFT) or comprehensive cover, depending on your needs. Both are compared below.

Types of motorcycle insurance

Not every motorcycle needs the same level of protection. The three main options are comprehensive, third party, fire & theft (TPFT) and third party.

Widest cover

Comprehensive

The widest standard protection

Covers accident damage, fire and theft for your own motorcycle, plus injury, death and property damage you cause to others. Extra protection is available through add-ons.

May suit you if

Your motorcycle is new or high-value
You're still paying for the motorcycle
You want your own bike covered after an accident, with access to add-ons

For older motorcycles

Third party, fire & theft

Third-party cover plus fire and theft

Covers your liability to other people, and your motorcycle against specified risks such as fire and theft. It does not normally cover accident damage to your own motorcycle.

May suit you if

Your motorcycle is older
You still want protection against fire and theft
You want something between third party and comprehensive

Basic coverage

Third party

Basic legal protection

Covers death or injury to other people and damage to their property. It does not cover your own motorcycle against accident damage, fire or theft.

May suit you if

Your motorcycle is older or lower in value
You only need basic third-party protection
You're comfortable paying for damage to your own motorcycle

Motorcycle insurance coverage comparison

What is covered?	Comprehensive	Third party, fire & theft	Third party
Injury or death to other people
Damage to other people's property
Fire involving your motorcycle
Theft of your motorcycle
Accident damage to your motorcycle
Flood and natural disasters	Add-on	Add-on
Other add-ons	Varies by insurer	Limited	Rarely available

Coverage, exclusions and add-ons vary between insurers, so check the policy wording and Product Disclosure Sheet before buying. BNM and PIAM describe the same split for all motor cover.

Compare motorcycle insurance quotes

What does motorcycle insurance cover?

What you're covered for depends on the type of motorcycle insurance you choose. It falls into three groups.

Your motorcycle

Comprehensive cover can protect your motorcycle against accident damage, fire, theft and other risks named in the policy.

Other people

Motorcycle insurance can also cover your liability for death or injury to third parties, and for damage to their property.

Extra protection

Depending on the insurer, you may be able to add cover for flood, storms and other natural disasters, additional riders, Personal Accident and other policy benefits.

None of these is automatically included in every policy. Check your policy before you buy.

What doesn't motorcycle insurance cover?

Motorcycle insurance doesn't protect you against every risk. Depending on your policy, exclusions may include:

Your motorcycle

Wear and tear
Parts wearing out through normal use.
Mechanical or electrical breakdown
Faults that aren't the result of an insured event.
Depreciation
The fall in your motorcycle's value over time.
Flood or natural disasters
If Special Perils isn't included.

Other exclusions

Your own injury or death
Unless Personal Accident cover is included.
Some passenger liabilities
Depending on the policy terms.
Undeclared accessories
Certain accessories you didn't declare to the insurer.
Losses outside the policy terms
Anything the policy doesn't list as covered.

Always check which exclusions apply to your policy before you buy.

Motorcycle insurance add-ons

Standard motorcycle insurance may not cover every risk you're worried about. Depending on the insurer and policy, you can add extra protection.

Special Perils: flood and natural disasters

Covers specified natural disasters such as flood, storm and landslide. Flood damage is generally not included in standard motor cover, so check whether Special Perils is available and suits your needs.

All Drivers

If more than one person rides your motorcycle, this can extend cover to other eligible riders, subject to the policy terms. Useful when the bike is shared at home.

Personal Accident

Extra benefits for eligible bodily injury or accidental death. Motorcycle insurance doesn't automatically cover your own injury, so check whether PA is included or available.

Roadside assistance and towing

Help when your motorcycle breaks down or can't be ridden. What's included, and the limits, differ by insurer.

Available add-ons vary by insurer, including other motorcycle-specific benefits. Compare the actual benefits rather than assuming every insurer offers the same ones.

How much does motorcycle insurance cost in Malaysia?

There's no single fixed price for motorcycle insurance. Your premium is worked out from your motorcycle, how you ride and the cover you choose.

Your motorcycle: Model, engine capacity, value and sum insured.
Your risk profile: NCD, rider and vehicle risk, location and how the motorcycle is used.
Your cover: The insurer, the type of coverage and the add-ons you select.

Bank Negara Malaysia has liberalised motor insurance pricing, so insurers and takaful operators assess risk and price eligible products in their own way. Two insurers can quote different prices for the same motorcycle.

The quickest way to know your price

Compare actual quotes for your motorcycle. All you need to start is its registration number.

Get motorcycle insurance quotes

Why do motorcycle insurance prices differ?

You may get different quotes from different insurers even when you enter exactly the same motorcycle details. That's because each insurer weighs these factors in its own way.

Motorcycle value

A higher-value motorcycle usually means a higher premium, as there's more financial risk to insure.

Engine capacity and type

Different motorcycles carry different risk profiles, so the model and specifications affect the price.

NCD

A claim-free history can lower your renewal premium where an NCD applies.

Location and usage

Where and how you ride affects how an insurer assesses risk.

Coverage

Comprehensive gives more protection than TPFT or third party, so the premium differs.

Add-ons

Optional protection adds to the overall premium.

Because insurers use different pricing models, comparing quotes helps you see the differences before you choose a policy.

How to get cheap motorcycle insurance

Looking for cheap motorcycle insurance? Don't compare the premium alone: a cheaper policy may simply give you less protection.

Compare these, not just the price

Premium and coverage
What you pay, against what the policy actually covers.
Sum insured and excess
How much your motorcycle is covered for, and what you pay yourself when you claim.
NCD
Check that your discount has been applied.
Add-ons and roadside assistance
The extras that matter when something goes wrong.
Claims support and other benefits
How the insurer helps you after an accident or theft.

Habits that cost you more

Choosing the lowest quote by default
It may leave you with less protection than you need.
Lowering the sum insured to save
It can reduce what a claim pays if your motorcycle is lost or badly damaged.
Paying for add-ons you don't need
Only choose the add-ons that suit how you ride.
Renewing without comparing
Your current insurer may not offer the best price or benefits this year.

The best option isn't necessarily the lowest quote. It's the policy that gives you the protection you need at a price you're comfortable with, and with BJAK you can compare the available quotes side by side.

Compare motorcycle insurance prices

No Claim Discount (NCD) for motorcycles

A No Claim Discount (NCD) lowers your motorcycle insurance premium when you keep a claim-free record. Many riders know about NCD for cars, but fewer know it applies to motorcycles too.

It builds up

If your policy qualifies for NCD, your discount can grow each year you stay claim-free.

It moves with you

Your NCD entitlement can generally be carried over when you switch insurers, subject to the insurer's rules.

Our guide explains how motorcycle NCD works in more detail.

Before you renew, check

1
Your current NCD
2
The NCD shown on your renewal quote
3
That the correct discount has been applied

Check your NCD

Sum insured for motorcycles

The sum insured is the amount your motorcycle is covered for under the policy. Choosing the right figure matters because it affects:

Your premium
Your level of protection
How much certain claims can pay, especially if your motorcycle is lost or badly damaged

Don't pick a low sum insured just because it makes your premium cheaper.

Market value vs agreed value

Market value: The claim is based on your motorcycle's value at the time of the loss, subject to the policy terms and limits.
Agreed value: An amount you and the insurer agree on when the policy is taken out, subject to the policy terms.

Not every motorcycle policy offers both, and the right value can depend on the insurer's valuation method and terms. Check the policy and Product Disclosure Sheet before choosing.

Compare motorcycle insurance from 16 insurers

BJAK lets you compare motorcycle insurance quotes from 16 participating insurers and takaful operators, side by side.

The cheapest quote isn't automatically the best

Compare the premium, coverage type, sum insured, NCD, add-ons, excess and roadside benefits, and check what each policy actually includes before you buy.

Motorcycle insurance from BJAK's insurance & takaful partners

The options you see depend on your motorcycle and the insurers that can cover it. Before choosing, check each Product Disclosure Sheet and the policy terms for coverage, exclusions, excess, add-ons, the claims process, roadside assistance and other benefits. That way you compare the actual protection, not just the price.

Compare 16 motorcycle insurance providers

How to buy motorcycle insurance online

You don't need to visit an insurance counter to compare motorcycle insurance. With BJAK, it takes six steps.

1
Enter your motorcycle details. Your registration number and the required information.
2
Get your quotes. BJAK retrieves the options available for your motorcycle.
3
Compare your options. Premiums, coverage and available add-ons, side by side.
4
Choose your policy. Pick the plan that suits your needs.
5
Make payment. Choose an available payment method and complete your purchase.
6
Receive your policy. Your insurance documents are sent through the available delivery channel.

Compare motorcycle insurance online

Do you have to renew with the same motorcycle insurer?

No. You don't have to stay with the same insurer when you renew your motorcycle insurance.

Your eligible NCD can generally be carried over when you switch, subject to insurer rules, so moving to another insurer doesn't have to cost you your discount.

Don't simply click "renew" with your current insurer without checking what else is available.

Compare motorcycle insurance quotes

Why compare motorcycle insurance instead of renewing automatically?

Renewing with the same insurer may be convenient, but you could miss a better option. Every year, ask yourself:

Price

Is your renewal premium still competitive?

Coverage

Does your current policy still suit your motorcycle?

NCD

Is your NCD reflected correctly?

Add-ons

Do you still need the same add-ons?

Benefits

Does another insurer offer better roadside assistance or other benefits?

Excess

How much would you have to pay if you make a claim?

Weighing these gives you a clearer picture than looking at the premium alone.

What do I need to renew motorcycle insurance?

You'll generally need your motorcycle and policy details to get a renewal quote. Depending on the transaction and insurer, that can include:

Registration number

Your motorcycle's plate number.

Owner's details

The registered owner's identification details.

Motorcycle details

The model and other details of your motorcycle.

Existing insurance

Information about your current policy.

You may be asked for other information during the quote. Requirements vary, so follow what's requested.

Motorcycle insurance & road tax

You need valid insurance before you can renew your motorcycle road tax. Where the service is available, you can renew both together through BJAK.

Renew both online

1
Get your motorcycle insurance quote
2
Choose your policy
3
Complete your insurance payment
4
Add road tax, where available
5
Complete the road tax transaction

Renew motorcycle insurance & road tax

Motorcycle insurance payment options

Choose from the payment methods available at checkout. Depending on eligibility and the transaction, options may include:

Credit or debit card

Pay by card at checkout.

Online banking

Pay directly from your bank account.

Instalment plans

Spread the cost, for eligible customers.

Buy Now, Pay Later

Pay later through an eligible BNPL provider.

Payment options, fees, terms and eligibility vary by provider.

Why compare motorcycle insurance with BJAK?

Compare 16 insurers & takaful operators

See available motorcycle insurance quotes side by side.

Compare more than price

Check coverage, NCD, add-ons, excess and benefits.

Renew online

Get your motorcycle insurance without visiting multiple insurance providers.

Flexible payment options

Use available payment methods, including eligible instalment options.

Renew road tax together

Add road tax to your transaction where available.

Get support

Roadside, emergency and claims-related support for eligible policies and customers.

Compare motorcycle insurance now

Motorcycle insurance for different riders

Not every rider has the same insurance needs. Here's what to weigh up in four common situations.

Daily commuters

If you ride to work or school every day, think about how much protection you'd need if your motorcycle were damaged or stolen. Comprehensive cover may be worth considering if you rely heavily on your bike.

Old and small motorcycles

Compare the cost difference between comprehensive, TPFT and third party, weighing the motorcycle's value, theft risk, repair costs and how much you could afford to pay yourself. Third party isn't automatically best just because it's cheaper.

Big bikes

Higher values and repair costs mean more to lose. Look closely at the sum insured, comprehensive cover, theft protection, accident damage, Special Perils, excess, add-ons, and claims and workshop arrangements.

Delivery and e-hailing riders

Don't assume a standard private-use policy covers you. Your usage needs to match the policy terms, so check with the insurer whether your work is covered or needs a specific extension or policy, especially for paid delivery.

Compare motorcycle insurance quotes

Motorcycle takaful vs motorcycle insurance

You may see both motorcycle insurance and motorcycle takaful when comparing your options. Both can protect your motorcycle, but they operate under different structures.

How motor takaful works

Motor takaful follows Shariah principles and uses a participant-based fund structure. The exact coverage, contributions, claims, excess and benefits depend on the takaful certificate and operator.

Compare them on the same terms

Whichever you choose, look at the coverage, price or contribution, excess, add-ons, benefits, and the policy or certificate terms.

Motorcycle insurance claims

If you're involved in an accident, what you do straight after can affect how smoothly your claim is handled.

At the scene

1
Check whether anyone is injured.
2
Contact emergency services if necessary.
3
Move to a safe location if possible.
4
Take photos of the accident scene and vehicles, when it's safe.
5
Exchange relevant details with the other party.
6
Contact your insurer and follow its reporting requirements.
7
Use an approved towing service where required.

Don't admit fault or agree to an informal settlement before contacting your insurer.

After the accident

Make a police report
Notify your insurer
Provide photographs and documents
Send the motorcycle to an approved or panel workshop
Follow the insurer's claims process

Why claims get rejected

Claims, reporting requirements and exclusions depend on your policy. Bank Negara Malaysia notes that claims can be rejected for dishonest or exaggerated claims, failing to take reasonable precautions, riding under the influence, or situations the policy excludes.

What happens if your motorcycle is stolen?

Contact the police and your insurer as soon as possible. Whether you can claim depends on your policy.

Comprehensive and TPFT cover can protect against theft, subject to the policy terms. Third-party-only insurance doesn't cover theft of your own motorcycle, according to Bank Negara Malaysia.

Keep these to hand

Police report

Make one as soon as you can.

Registration details

Your motorcycle's registration information.

Insurance policy

Your current policy details.

Keys and documents

Any keys and relevant documents you still have.

Then follow your insurer's instructions for the theft claim.

Motorcycle insurance FAQs

Motorcycle insurance provides financial protection against specified risks involving your motorcycle and your liability to third parties. The protection you receive depends on your policy type, coverage and add-ons.

Yes. At least third-party motor insurance is required to use a motorcycle legally on public roads.

Third-party motorcycle insurance is generally the most basic and lowest-cost type of cover, but it provides the least protection for your own motorcycle. Compare the available quotes before choosing.

Comprehensive motorcycle insurance provides wider protection for your motorcycle, including accidental damage, fire and theft, as well as third-party liabilities, subject to policy terms.

TPFT stands for Third Party, Fire & Theft. It provides third-party protection plus cover for your motorcycle against specified fire and theft risks. It generally does not cover accidental damage to your own motorcycle.

Compare Motorcycle Insurance & Renew Online

Enter your motorcycle plate number

9M

16

BNM

Compare 16 insurers & takaful operators

What is motorcycle insurance?

Accident damage

Theft

Fire

Harm to other people

Flood and natural disasters

Optional add-ons

Is motorcycle insurance compulsory in Malaysia?

What the legal minimum covers

What it leaves out

Want your own motorcycle covered?

Types of motorcycle insurance

Comprehensive

Third party, fire & theft

Third party

Motorcycle insurance coverage comparison

What does motorcycle insurance cover?

Your motorcycleYour motorcycle

Other peopleOther people

Extra protectionExtra protection

What doesn't motorcycle insurance cover?

Your motorcycle

Other exclusions

Motorcycle insurance add-ons

Special Perils: flood and natural disasters

All Drivers

Personal Accident

Roadside assistance and towing

How much does motorcycle insurance cost in Malaysia?

The quickest way to know your price

Why do motorcycle insurance prices differ?

Motorcycle value

Engine capacity and type

NCD

Location and usage

Coverage

Add-ons

How to get cheap motorcycle insurance

Compare these, not just the price

Habits that cost you more

No Claim Discount (NCD) for motorcycles

It builds up

It moves with you

Before you renew, check

Sum insured for motorcycles

Market value vs agreed value

Compare motorcycle insurance from 16 insurers

The cheapest quote isn't automatically the best

Motorcycle insurance from BJAK's insurance & takaful partners

How to buy motorcycle insurance online

Do you have to renew with the same motorcycle insurer?

Why compare motorcycle insurance instead of renewing automatically?

Price

Coverage

NCD

Add-ons

Benefits

Excess

What do I need to renew motorcycle insurance?

Registration number

Owner's details

Motorcycle details

Existing insurance

Motorcycle insurance & road tax

Renew both online

Motorcycle insurance payment options

Credit or debit card

Online banking

Instalment plans

Buy Now, Pay Later

Why compare motorcycle insurance with BJAK?

Compare 16 insurers & takaful operators

Compare more than price

Renew online

Your motorcycle

Other people

Extra protection