Drive Confidently with the Top 5 Best Car Insurance Companies in Malaysia
That conversation sent us searching through Malaysia’s many car insurance companies, and we quickly saw that not all of them offer the same level of trust and protection.
So, in case you have the same goal of looking for a reliable car insurance provider, here are the best car insurance companies in Malaysia to drive confidently with peace of mind.
How much does car insurance in Malaysia cost?
The cost of car insurance in Malaysia, a comprehensive policy can range from RM700 to RM1,200 annually for an experienced driver with a maximum No Claim Discount (NCD).
For a new driver with zero NCD, the same policy could cost between RM1,500 and RM2,500, depending on the car’s value and other risk factors.
1. GoInsuran
Address: 8, Jalan Ipoh Kecil, Chow Kit, 50350 Kuala Lumpur
Phone: +60340478730
Business Hours:
- Monday to Friday – 8:30 AM to 7 PM
- Saturday – 9 AM to 1 PM
After diving deep into several online platforms, GoInsuran stood out for how effortless it made car insurance renewals feel. From our research, the platform allows you to compare prices from up to 14 insurance companies, and the entire renewal process can be done in minutes.
Getting a quote took under 10 seconds during our test, and we were impressed by how transparent the pricing breakdown was. There’s also a personal accident coverage option, which includes medical reimbursement and hospital income.
Another standout is GoInsuran’s consistent user notifications. They’ll remind you about renewals for the car, home, and personal accident insurance one month ahead.
Furthermore, their status as a recipient of the Malaysia Technology Excellence Awards 2022 underlines their leadership in digital general insurance innovation.
However, while most services were prompt, we did encounter complaints about their courier service being slower than expected, especially during peak renewal periods.
Great experience
“I’ve had a great experience with GoInsurance! Their platform is user-friendly, making it easy to compare different coverage options and select the best one for my needs. The customer service is outstanding—they’re responsive, knowledgeable, and always willing to help answer questions or clarify policy details. I also appreciate the flexible payment options and transparent pricing.”
Miya Ong, Google Review
Seamless car insurance renewal
“I like that GoInsuran provides a simplified, seamless experience for users to renew their car insurance easily. Everything is online, which is really convenient! I especially loved that their online policies are highly focused on customers’ tailored needs and preferences, since everything is so customizable.”
Nicki Sim, Google Review
2. GMR Warranty (Guard My Ride Sdn Bhd)
Address: No.18-1, jalan 2/137B, off, Jln Klang Lama, Resource Industrial Center, 58000 Kuala Lumpur
Phone: +60379721207
Business Hours:
- Monday to Friday – 9 AM to 5 PM
GMR Warranty caught our attention while researching car protection plans specifically for reconditioned and older vehicles. It’s not your usual car insurance provider—they specialise in extended warranties, which is perfect if your car is no longer under the original manufacturer’s coverage.
We wanted to better understand how their system works, so we reached out via their official website and also spoke directly with one of their reps over the phone. They walked us through available plans, clearly explained what’s covered, and highlighted their partnership with RHB Insurance—an added layer of trust.
However, when it comes to warranty claims, you’ll want to be prepared for some back-and-forth. Based on what we found, the claims review process tends to be time-consuming and can drag on depending on the complexity of the issue.
This may not be ideal if you need urgent repairs.
That said, customers consistently praise the team’s responsiveness, especially when it comes to explaining policy details and guiding you through the claims process. Their rates are fair, and they provide a valuable option for high-mileage or used car owners.
Smooth claim process
“Claimed from gmr on both May & June. Both claims were done on two seperate panel workshop. The claim process was very smooth and worry free. Dennis did help to explain to me the step by step process that i need to know and follow. Although the claiming process does take time, im glad i did not have to worry about paying to replace my steering rack & abs sensor. Highly recommend this warranty to used car owners 👍🏼”
Mohd Hazlee, Google Review
Excellent service attitude
“My car had a problem the other day and I needed to file an insurance claim. With GMR’s assistance, the entire claim process went very smoothly and was handled quickly. Their excellent service attitude gave me peace of mind. Thank you so much!”
Agnes Lee, Google Review
3. BJAK
Address: Lot 7.11, Level 7, 1 Tech Park, Jalan Tanjung Utama, Bandar Utama
Phone: +60392131717
Business Hours:
- Monday to Sunday – Open 24 hours
BJAK’s digital platform is undeniably fast, but you’ll need to read their messages and notifications closely. During our research, we noticed some of their WhatsApp and email communications could get overwhelming or slightly unclear, especially for users unfamiliar with digital insurance terms.
The platform sends frequent reminders and updates, which could feel excessive if you prefer a simpler inbox.
That said, BJAK’s interface for comparing car insurance quotes is among the most user-friendly we’ve explored. You can view quotes from multiple providers, compare prices, and renew both your car insurance and road tax within minutes—all without needing to visit an office.
We also liked how the system clearly labels pricing tiers and coverage details upfront. Transactions are completed through a secure online payment system, and confirmation emails are sent almost instantly.
Moreover, BJAK is registered under MSC Malaysia and works with trusted insurance brands, which gives added peace of mind. While some users wish for small perks like renewal gifts, most seem impressed with the speed and transparency.
Fast and efficient insurance provider
“Never been to their office physically and the feedback given based on my experience with their online services specifically on car insurance and road tax renewal. Happy with the services as this is my second time using them. Fast and efficient. Just tone down a bit on the reminder, ya. I mean I’m fine if you sent daily reminder on either via Whatsapp or email, but sending to both is a bit much, don’t you think?”
Hami Zulfadli Yusof (Hami), Google Review
Fast service
“Thank you for speedy service. Not even 24hrs everything has been settled in timely manner. Good customer service. This is my 2nd time I renewed our road tax and insurance via Bjak. Appreciate much. Keep going and all the best.”
Booneswary Maniam, Google Review
4. Tune Protect Group Berhad
Address: Level 8, Wisma Capital A, 19, Lorong Dungun, Bukit Damansara
Phone: +601800885753
Business Hours:
- Monday to Thursday – 9 AM to 5 PM
- Friday – 9 AM to 4 PM
We spent some time exploring Tune Protect’s packages, and what immediately stood out was the speed and simplicity of their online system. Everything from getting a quote to completing your renewal took just a few minutes during our walkthrough.
If you’re the kind who dreads paperwork or long waits, this kind of platform is a game-changer. You can also enjoy perks like instant online discounts or e-wallet credit, depending on current promos, which adds great value to the experience.
However, there is a downside—when we tested their phone support line, it was hard to get through. Whether we were trying to confirm policy details or ask about promo eligibility, the response time over the phone wasn’t ideal.
That said, most users we interviewed said they rarely needed to call since the app and email process handled nearly everything. Claims can be submitted directly via email with attached forms.
The process is very smooth
“Great service by the customer service team and all Tune Protect staff. I came here last Friday to cancel my car Insurance as I had sold my car, the process is very smooth. Firstly , I called them to know the documentation needed for the cancellation. They are very nice and very helpful. The staff in counter also very good and the process is really quick. Looking forward to purchase another insurance with them 👍👍”
Azmin Mustafa, Google Review
Worth every penny
“Omg i really love Tune Protect! I just renew my insurance within 3 min via their apps for Tune protect motor easy. You know what? Can get up to rm150 e-wallet too. Amazingly worth and very good deal!”
Saida Kamall, Google Review
5. Etiqa
Address: Dataran Maybank, No 1, Jalan Maarof, Bangsar, 59000 Kuala Lumpur
Phone: +601300138888
Business Hours:
- Monday to Thursday – 9 AM to 4:30 PM
- Friday – 9 AM to 4 PM
Etiqa also stood out in our search for the most reliable car insurance providers in Malaysia because it offers a balanced mix of conventional insurance and Takaful options.
What makes them accessible is their wide network—over 10,000 agents and dozens of branches across Malaysia. So, if you’re not tech-savvy, it’s still easy to speak to someone in person.
We made a few phone inquiries just to test response times, and to our surprise, our calls were answered almost immediately with no frustrating machine loops or hold music.
The agents we spoke with were knowledgeable and quick to resolve common requests like document re-issuance or clarification of policy terms. For those who value professionalism and clarity, Etiqa definitely sets a good example.
Even their online platform runs smoothly for standard tasks like renewals or claims tracking.
That said, you should plan ahead for any urgent needs—especially document handling or physical appointments—because they’re closed on weekends. This can be a hassle if your workweek is packed.
Fast and accommodating
“I called them to request my copy of vehicle insurance policy. The one who in charge for my case is very friendly. She assisted me so that I managed to get my copy on the same day.”
Adam Radin (Adam), Google Review
Satisfied with their smart virtual assistance
“I made an endorsement of my existing vehicle insurance. Glad that they have virtual assistance now, you just book your slot via a web site and they will set up a zoom call for you to complete the transaction online..”
Suman Ratnam, Google Review