Car Insurance and Insuring a Vehicle in Malaysia

General information on the types of Malaysian vehicle insurance available: details on insuring a vehicle (options from third party to all risks) and making a claim. What the cover provides and how to insure a foreign car in Malaysia...

Motor insurance is compulsory in Malaysia. There are three types of motor insurance available and the law requires that every driver has a minimum coverage of third party liability.

  • Act Only: This type of insurance covers provides minimum cover as required by the law. Insurance protection is fairly limited to only meeting liability costs for death or injury to a third party
  • Third Party: This insures the driver against death and injury to a third party and insures the driver to cover any damage to third party property and some other minimum legal costs. There is also the possibility to add insurance protection for fire and theft, and loss and damage to his/her own vehicle
  • Comprehensive: this type of policy offers the most cover for a driver, and provides many types of protection including insurance against accidental damage, damage or loss from fire or theft, and insurance for third party liabilities. Additional cover may be required for windscreens and if the vehicle is being used for any other purposes other than private use

All policies vary to some extent so it is advised to read individual insurance policies carefully before buying.

  • The website Autoworld Malaysia has an insurance premium calculator: Click here

Making a Claim

In the event of an accident, it is necessary to file a police report detailing the accident within 24 hours and inform the vehicle's insurance company to make a claim.

When making a claim the following details should be given to the insurance company:

  • Police report
  • Photocopies of the following documents:
    • Proof of identity
    • Driving licence
    • Vehicle Registration Card
    • Road tax disc
  • For information about making an insurance claim: Click here