In this 2019 Ultimate Guide to Car Insurance, we show you where to buy car insurance in Malaysia and get the best price with the best service online.
Malaysia has over 20 insurance and takaful companies that sell car or motorcycle insurance, and it is not easy to find which one is the best. Traditionally, you would buy motor insurance and road tax from an insurance agent. But since the start of Motor Detariffication in July 2017, insurance companies have started to sell car insurance online.
When you buy online, customer service is crucial !
Today it is easy for everyone to go online and purchase car insurance with just a click. A significant advantage when you buy online is that most companies will give you a 10% discount on the price. But watch out when you purchase insurance online, it is crucial that the company provides excellent customer support, because an insurance agent is not there to help you.
Here is a complete list of the top 10 Malaysian insurance companies that provide insurance online with up to 30% discount. If you are looking for Car Takaful companies, check out our 2019 Ultimate Guide to Car Takaful.
Overview of Malaysian Insurance Companies that sell car insurance online
# | Company | Customer Service Level | User Reviews Ratings | Webpage friendliness | Special Discount |
---|---|---|---|---|---|
1 | AXA Affin Buy Online | 5 stars | 234 reviews | VERY EASY | up to 30% discount |
2 | Tokio Marine Buy Online | 5 stars | 245 reviews | VERY EASY | 10% discount here |
3 | Etiqa General Insurance Buy Online | 5 stars | 2,516 reviews | VERY EASY | 10% discount here |
4 | Allianz General Buy Online | 5 stars | 916 Reviews | VERY EASY | - |
5 | Berjaya Sompo Buy Online | 3 stars | 166 reviews | VERY EASY | 10% discount here |
6 | MSIG Malaysia Buy Online | 5 stars | 175 reviews | EASY | 10% discount here |
7 | AmGeneral & Kurnia Buy Online | 4 stars | 510 reviews | EASY | - |
8 | Tune Insurance Buy Online | 4 stars | 91 reviews | EASY | 10% discount here |
9 | AIG Malaysia Buy Online | 3 stars | 220 reviews | EASY | 10% discount here |
10 | Liberty Insurance Buy Online | 3 stars | 286 reviews | HARD | 10% discount here |
Individual Website Reviews ( Reverse Order)
10. Buying car insurance from Liberty Insurance
Liberty Insurance ranked number 10th in the Motor Insurance Award 2019. In the previous year, the company has ranked 6th. The webpage is one of the most difficult to buy car insurance online in Malaysia. It uses the same system as Takaful Ikhlas. Even us who are familiar with insurance and different IT system had difficulty using it.
2019 Key FactsÂ
- MIA Ranking 2019: #17
- Customer Service Level: 3 stars
- User Review Ratings: 3 stars
- Webpage Friendliness: Hard
- Road Tax: No
- Special Offer: 10% online discount
9. Buying car insurance from AIG Malaysia
AIG Malaysia is one of the new companies that offer car insurance online. The webpage is easy, but requires a bit more information than other user-friendly webpages like Etiqa or Takaful Malaysia. You will need to provide ten information pieces before you get to see the price. AIG Malaysia has placed #14 in the 2019 Motor Insurance Survey. Similar to most of the other insurance companies, you cannot buy road tax on AIG’s website.
2019 Key FactsÂ
- MIA Ranking 2019: #14
- Customer Service Level: 3 stars
- User Review Ratings: 3 stars
- Webpage Friendliness:Â EASY
- Road Tax: No
- Special Offer: 10% online discount
8. Tune Insurance
Tune Insurance is the insurance company run by AirAsia. We all know AirAsia from cheap and affordable air tickets. But only a few know that they also sell car insurance. Tune is a small company compared to large insurance companies like Allianz and AmGeneral/Kurnia. This yearTune ranks #9 in the 2019 Motor Insurance Survey. Tune’s car insurance is called “Tune Protect Motor Easy”.
Buying car insurance online from Tune Insurance is EASY. You provide your IC, vehicle registration number and place of use and you can find out how much the car insurance cost. In the next steps, you can select additional covers like windscreens, third party and others.
Similar to other insurance companies, you cannot buy road tax on Tune’s webpage. To buy road tax, you need to go to the Pos Malaysia office or buy it online from MyEG.
2019 Key FactsÂ
- MIA Ranking 2019: #9
- Customer Service Level:Â 4 stars
- User Review Ratings: 3 stars
- Webpage Friendliness:Â EASY
- Road Tax: No
- Special Offer: 10% online discount
7. Buying car insurance from Kurnia / AmGeneral Insurance
Kurnia / AmGeneral ranks number 6th in the 2019 Motor Insurance Survey, placing it in the middle of all the listed motor insurance companies in Malaysia. AmGeneral Insurance bought Kurnia in 2012, hence why you may sometimes see both names used. However, the company advertises Kurnia more often in Malaysia. Kurnia offers two types of comprehensive car insurance:
- Private Motor Comprehensive
- Auto 365 Comprehensive Premier
We have reviewed the webpage to buy car insurance, and it is easy. Anyone with some basic understanding of how the internet works and some knowledge about their vehicle may be able to do it.
One big advantage of buying from Kurnia is that you can buy your road tax together along with your car insurance! Currently, Kurnia is one of the few companies that offer road tax online.
2019 Key FactsÂ
- MIA Ranking 2019: #6
- Customer Service Level:Â 4 stars
- User Review Ratings: 3 stars
- Webpage Friendliness: EASY
- Road Tax:Â Yes
6. MSIG Malaysia
MSIG Malaysia ranked 5th in the 2019 Motor Insurance Survey. This is a good result given that Malaysia has over 20 insurance companies in Malaysia.
Their web portal is easy to use, although not as easy as Takaful Malaysia’s or Etiqa’s. But you can get the prices and even renew your insurance within a few minutes. The downside, again you cannot renew your road tax here.
2019 Key FactsÂ
- MIA Ranking 2019: #5
- Customer Service Level:Â 5 stars
- User Review Ratings: 3 stars
- Webpage Friendliness: EASY
- Road Tax: No
- Special Discount: 10% online
5. Berjaya Sompo
Berjaya Sompo has recently revamped their webpage and now buying car insurance online from Berjaya Sompo Insurance has become very easy. You provide only four details NRIC, Post Code Vehicle Number and your email address and you can find out how much the insurance cost. Also, as one of the few companies in Malaysia, Berjaya offers specialized insurance for Grab Drivers. The additional insurance coverage that you need to select is E-Hailing.
Similar to most of the other insurance companies, you cannot buy road tax on Berjaya Sompo’s website. To buy road tax, you need to go to the Pos Malaysia office or buy it online from MyEG.
2019 Key FactsÂ
- MIA Ranking 2019: #16
- Customer Service Level: 3 stars
- User Review Ratings: 3 stars
- Webpage Friendliness: VERY EASY
- Road Tax: No
- Protection for GRAB drivers: Yes
- Special Offer: 10% online discount
4. Buying car insurance from Allianz General
Allianz General is the largest car insurance company in Malaysia. It is the newest company that has opened up and offered car insurance online to their customers. The webpage is easy, and you can quickly get a price quotation. In 2016/17, Allianz General won the Motor Insurance Award as the Best company. Since then it remains at the top as a 5-star service insurance company. In 2019, Allianz general placed at 4th place.
2019 Key FactsÂ
- MIA Ranking 2019: #4
- Customer Service Level:Â 5 stars
- User Review Ratings:Â 4 stars
- Webpage Friendliness: VERY EASY
- Road Tax: No
3. Buying car insurance from Etiqa Malaysia
Etiqa won top ratings in the 2017/2018 Motor Insurance Survey in both takaful and conventional insurance categories. This year Etiqa General Insurance made it to #2. Etiqa was one of the earliest companies that offer car insurance online to Malaysians. When you buy car insurance online in Malaysia from Etiqa, you will have no difficulty. With Etiqa’s web portal, it is easy to check the motor insurance price. You only need to fill out the following six information.
- Name
- Registration Number
- NRIC
- Postcode
- Email Address
- Phone number
2019 Key FactsÂ
- MIA Ranking 2019: #2
- Customer Service Level:Â 5 stars
- User Review Ratings:Â 4 stars
- Webpage Friendliness: VERY EASY
- Road Tax: Yes
- Special Offer: 10% online discount
2. Tokio Marine
Tokio Marine won the 2019 Motor Insurance Award as the best car insurance company in Malaysia. To get a price quote you only need to provide 8 information on the webpage, so that it is easy and quick. Tokio Marine is one of 5 companies that you can try out to compare car insurance within 5 minutes online.Â
Buy your car insurance online now and save 10% immediately.
2019 Key FactsÂ
- MIA Ranking 2019: #1 Winner
- Customer Service Level:Â 5 stars
- User Review Ratings:Â 4 stars
- Webpage Friendliness: VERY EASY
- Road Tax: No
- Special Offer: 10% online discount
1. Buying car insurance from AXA Affin General Insurance
AXA Affin is one of the Best Car Insurance companies in Malaysia. It has a 5-star customer rating and placed as the 3rd Best company in the 2019 Motor Insurance Survey. The car insurance product offered is called SmartDrive Enhanced Private Car. AXA is the only company that currently provides telematics for car insurance in Malaysia so that you can save even more on your insurance. With Telematics, you have the chance to save an additional 20% on your car insurance if you are a safe driver. The AXA product is called AXA FlexiDrive. It is an add-on to the motor insurance plan.
What is telematics? Telematics is a method to monitor vehicle and driver behaviour. In this case, the insurance company will install a small device in the vehicle your that enables tracking and monitoring of vehicle usage and driver’s behaviour. Here are the benefits from AXA’s webpage:
- Safe Driving Bonus Up To 20%
- 10% online discount
- Enhanced Safety Features
- 24/7 Vehicle Security & Theft Recovery
- Smart Connectivity For Your Vehicle
To buy car insurance online in Malaysia from AXA is easy. You need to provide the following information to see how much your car insurance will cost quickly:
- Vehicle Number
- Your name
- NRIC
- Vehicle Location like West or East Malaysia
- Phone number
- Email address
2019 Key FactsÂ
- MIA Ranking 2019: #3
- Customer Service Level:Â 5 stars
- User Review Ratings:Â 4 stars
- Webpage Friendliness: VERY EASY
- Special Offer: up to 30% total discount
Summary Online Car Insurance Malaysia:
- AXA Affin – AXA SmartDrive and AXA FlexiDrive Car Insurance
- Tokio Marine – Tokio Now Car Insurance
- Etiqa – MyEtiqa Car Insurance & Takaful
- Allianz General – Motor Comprehensive
- Berjaya Sompo – SOMPO Motor
- MSIG – Car Insurance
- AmGeneral & Kurnia – Private Car Comprehensive, Auto 365 Comprehensive Premier
- Tune Protect – Tune Protect Motor Easy
- AIG Malaysia – AIG Car Insurance
- Liberty – Car Insurance
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