Every day, millions of people around the world rely on their cars to commute, run errands, or embark on exciting road trips. Our cars transport us through life’s big and small moments, whether it’s a daily commute, a cross-country journey, or a simple trip to the shop. This journey, however, is not without its uncertainties and perils. Accidents, theft, or other disasters can cause travel disruptions and financial hardships. This is where automobile insurance comes in as a reliable partner on your journey.
Car insurance is more than just a legal obligation; it’s also a necessary safety net that protects you, your vehicle, and your finances in the event of an accident. It’s a contract that spans the divide between fragility and resilience, chaos and order, and uncertainty and assurance. Whether you’re a driver who understands the intricacies of auto insurance or a newbie learning about it for the first time, our goal is to arm you with the knowledge and resources you need to make informed decisions and drive with confidence. Here are the 10 best car insurance options in KL & Selangor.
Why Do You Need Car Insurance?
Car insurance is essential because it provides financial protection and peace of mind in the face of unexpected events on the road. It safeguards you from the financial burden of repairing or replacing your vehicle in case of accidents, theft, or fire, and it covers your liability for injuries or damages caused to others. Car insurance ensures that you can drive with confidence, knowing that you are financially protected and compliant with legal requirements, enhancing safety for you, your passengers, and fellow road users.
What Are The Different Types Of Car Insurance Coverage in Malaysia?
In Malaysia, car insurance coverage typically falls into several categories or types, each offering different levels of protection. The main types of car insurance coverage in Malaysia are:
- Third-Party Coverage (TP)
This is the minimum legal requirement for all vehicles on Malaysian roads. It covers the policyholder’s liability for bodily injury or death to third parties (other people) and damage to third-party property. It does not cover damage to your vehicle or personal injuries.
- Third-Party, Fire, and Theft (TPFT)
TPFT insurance includes the basic third-party coverage and adds protection against loss or damage to your vehicle due to fire and theft.
- Comprehensive Coverage
Comprehensive insurance offers the most extensive coverage. It includes third-party coverage, protection against fire and theft, and also covers damage to your vehicle due to accidents, collisions, vandalism, and natural disasters. It often includes additional benefits like towing, roadside assistance, and personal accident coverage.
What Should You Consider When Selecting A Car Insurance Policy?
When selecting a car insurance policy, several important factors should be taken into consideration to ensure that you choose coverage that suits your needs and budget. Here are some key considerations:
- Coverage Needs
Evaluate your specific coverage needs. Consider factors like the value of your vehicle, your driving habits, and your financial situation. Determine whether you need basic liability coverage or additional coverage options like collision, comprehensive, or uninsured/underinsured motorist coverage.
- Type of Coverage
Determine the type of coverage that best suits your needs. Liability coverage is typically required and covers damage you cause to others. Collision coverage pays for your vehicle’s repairs in an accident, while comprehensive coverage covers non-collision incidents like theft or natural disasters.
- Budget
Set a realistic budget for insurance premiums that aligns with your financial capabilities. Balance cost savings with coverage by selecting an appropriate deductible amount and optional coverage based on your budget constraints. The typical cost of car insurance in Malaysia can range from RM300 to RM2000+.
Discover more insurance agencies in Malaysia to explore a wide array of insurance solutions:
10 Best Car Insurance Options in KL & Selangor 2025
1. Tune Protect
Tune Protect is dedicated to offering cost-effective motor insurance solutions in Malaysia that prioritise the financial security of vehicle owners. Their comprehensive coverage not only safeguards against accidents and vehicle theft but also includes liability protection for injuries sustained by drivers not covered under the policy. Furthermore, Tune Protect enhances their offerings with the inclusion of Auto-Assist, a 24/7 emergency service, providing added convenience and peace of mind to policyholders. With a commitment to affordability and comprehensive protection, Tune Protect stands as a reliable choice for individuals seeking quality motor insurance coverage in Malaysia.
Operating hours:
9:00 am – 5:00 pm (Monday – Thursday)
9:00 am – 4:00 pm (Friday)
Closed on Saturday & Sunday
Address: Wisma Tune, Level 8, 19, Lorong Dungun, Bukit Damansara, 50490 Kuala Lumpur
Google Map: Navigate Now
Google Review: Here
Facebook: https://www.facebook.com/TuneProtect/
Check Info On Website2. Maybank
Maybank Comprehensive Motor Insurance Takaful is a Shariah-compliant car and wallet protection plan that kicks in if your driving skills bring you into trouble. Maybank provides car insurance options to safeguard and secure a variety of vehicles. The insurance protects you against third-party liabilities for bodily harm or death, damage to other people’s property, and accidental or fire damage to your vehicle or theft of your vehicle. Maybank vehicle insurance frequently offers extra features including NCD (No Claim Discount) protection, which ensures policyholders can enjoy lower premiums even after filing a claim.
Operating hours:
9:30 am – 4:00 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: Branch F1/26 & 27, City Point, Dayabumi Complex, Jalan Sultan Hishamuddin, Kuala Lumpur City Centre, 50500 Kuala Lumpur, Federal Territory of Kuala Lumpur
Google Map: Navigate Now
Google Review: Here
Facebook: https://ms-my.facebook.com/Maybank/
Instagram: https://www.instagram.com/mymaybank/
Refer Info On Website3. Etiqa Takaful
Etiqa Takaful car insurance offers comprehensive coverage for a variety of vehicle types. Etiqa Takaful is based on the idea of mutual cooperation and shared responsibility among members, with policyholders contributing to a common fund to assist one another in times of need. It provides two car protection plans that are sharia compatible, Car Takaful or Etiqa Takaful Car Insurance and Comprehensive Car Insurance. Both of these plans provide coverage for any danger of theft, loss, fire, or car damage, among other things.
Operating hours: 24 hours
Address: C-7, 2, Jalan Serai Wangi H 16/H, Seksyen 16, 40200 Shah Alam, Selangor
Google Map: Navigate Now
Google Review: Here
Facebook: https://www.facebook.com/Etiqa/?locale=ms_MY
Instagram: https://www.instagram.com/myetiqa/
Website Info4. AIA Takaful
The AIA private auto insurance scheme offers annual renewal and comprehensive coverage for both you and your vehicle. It safeguards against damages resulting from accidents caused by other drivers, injuries sustained on public property, and losses due to theft. The available choices encompass basic family driving coverage, comprehensive private car insurance, and comprehensive commercial vehicle insurance. Their commitment to customer satisfaction and efficient claims processing makes AIA Takaful a reputable choice for those seeking Shariah-compliant car insurance in Malaysia.
Operating hours:
8:30 am – 4:30 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: 68, Jalan Batai Laut 4, Taman Intan, 41300 Klang, Selangor
Google Map: Navigate Now
Google Review: Here
Facebook: https://www.facebook.com/aiamalaysia/
Instagram: https://instagram.com/aiamalaysia/
View website5. Zurich
Zurich provides a comprehensive choice of solutions that are likely to match your unique needs while providing peace of mind that they will financially secure both you and your loved ones. Z-Drive Assist focuses on coverage incidents that occurred after you exited the vehicle, whereas Z-Driver and Z-Driver Takaful focus on accidents that occurred while you were still inside the vehicle. Whether you have a new or secondhand car, they understand that protecting your family is equally vital.
Operating hours:
8:30 am – 5:00 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: 67, Persiaran Setia Utama, Setia Alam, 40170 Shah Alam, Selangor
Google Map: Navigate Now
Google Review: Here
Facebook: https://www.facebook.com/ZurichMYS/
View website6. RHB
RHB Insurance in Malaysia provides a variety of car insurance options tailored to safeguard a broad spectrum of vehicles. RHB Motor Insurance offers three insurance packages designed to safeguard your business operations and provide peace of mind in the face of unexpected events. These policies cater to commercial vehicle drivers, co-drivers, and attendants aged 18 to 60 years, offering protection against injury or loss of life. Rest assured, RHB Insurance ensures comprehensive coverage for both you and your Authorised Drivers or Co-Drivers under a single policy, guaranteeing your security.
Operating hours:
8:45 am – 5:45 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: 2a, Jalan Tiara 2D, Bbk Heights, 41150 Klang, Selangor
Google Map: Navigate Now
Google Review: Here
View website7. Allianz
Allianz Malaysia provides a variety of car insurance options aimed at delivering extensive coverage and protection for diverse vehicle types. Additionally, they offer the Allianz Road Rangers program, a nationwide motor accident assistance service offered at no cost to all Motor Comprehensive (Private car) policyholders. The objective is to streamline and expedite the motor claims process, ensuring policyholders encounter a swift, convenient, and hassle-free experience when filing an accident claim. Furthermore, Allianz Motorcycle Plus (Comprehensive) and Allianz Motorcycle (Comprehensive) policyholders also benefit from the complimentary Allianz Road Rangers Roadside Assistance services.
Operating hours:
8:45 am – 5:45 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: Level 29, Menara Allianz Sentral, 203, Jalan Tun Sambanthan, Kuala Lumpur Sentral, 50470 Kuala Lumpur
Google Map: Navigate Now
Google Review: Here
Facebook: https://www.facebook.com/AllianzMalaysia
Instagram: https://www.instagram.com/allianzmalaysia
View website8. MSIG
MSIG, or Mitsui Sumitomo Insurance Group, provides not only auto insurance but also various other insurance options such as medical and home insurance, aiming to enhance your overall security and well-being. They offer plans like MSIG Motor Plus Insurance, which includes additional benefits, and MSIG Comprehensive Private Car Insurance, which offers customisation options for add-ons of your preference. Typically, their auto insurance policies encompass comprehensive coverage, optional add-ons, and perks like roadside assistance and NCD protection, ensuring a comprehensive and tailored insurance experience.
Operating hours:
8:30 am – 5:30 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: Level 15, Menara Hap Seng 2 Jalan P. Ramlee Plaza Hap Seng, 50250 Kuala Lumpur, Federal Territory of Kuala Lumpur
Google Map: Navigate Now
Google Review: Here
View website9. Takaful Ikhlas
Takaful Ikhlas offers comprehensive car insurance that covers damage to your vehicle caused by an accident, theft, or fire, as well as waiving the mandatory excess for nameless drivers. Their 24-hour automobile service also includes towing for accidents and breakdowns! They also provide battery delivery as necessary. You can cover your car with IKHLAS Private Car Takaful at an affordable contribution and with benefits tailored to your needs.
Operating hours:
8:30 am – 5:00 pm (Monday – Thursday)
8:30 am – 12:30 pm, 2:30 – 4:30 pm (Friday)
Closed on Saturday & Sunday
Address: No. 97, Ground Floor, Jalan Mahogani 5/KS7, Ambang Botanic, 41200, Klang, Selangor, 41200
Google Map: Navigate Now
Google Review: Here
Facebook: https://www.facebook.com/TakafulIkhlas/
View website10. AXA Affin
AXA Affin Insurance Malaysia is one of the top auto insurance companies in Malaysia, offering a wide range of insurance solutions for your stability and well-being, including health insurance, life insurance, house insurance, car insurance, travel insurance, and retirement. You may easily obtain a car insurance quotation to cover your vehicle from any accident claims, windscreen damage, flooding, and other supplementary policies that meet your needs. It also offers 24-hour customer support and 24-hour vehicle security and theft recovery.
Operating hours:
8:30 am – 5:30 pm (Monday – Friday)
Closed on Saturday & Sunday
Address: 67, Jalan Raja Chulan, Bukit Ceylon, 50200 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpurr
Google Map: Navigate Now
Google Review: Here
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Disclosure: This list was compiled by the team at My Weekend Plan after extensive research and shared opinions to suggest helpful recommendations for the public. The sequence of brands is in no particular order so if you have any other great suggestions too, please email us support@myweekendplan.asia. For more information, kindly refer to our copyright, privacy & disclosure policy.
