Motorcycle Insurance in Malaysia
With motorcycles making up the majority of registered vehicles, insurance here isn't a niche product — it's central to daily transport.
Top 10 Motorcycle Insurers in Malaysia
Ranked by performance & user satisfaction
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BNM / PIAM Regulatory Information
Premium estimations are subject to individual risk-based pricing matrices and your verified statutory No Claim Discount (NCD) tier under Bank Negara Malaysia guidelines. Includes mandatory 8% SST.
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
1
Etiqa Takaful
|
Comprehensive
Third Party
|
|
|
|
2
Allianz Malaysia
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
3
Etiqa Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
4
Takaful Malaysia
|
Motor Takaful (Comprehensive)
Motor Takaful (Third Party)
|
|
|
|
5
Takaful Ikhlas
|
Motor Takaful (Comprehensive)
Motor Takaful (Third Party)
|
|
|
|
6
Generali Malaysia (formerly AXA Affin)
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
7
Kurnia Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
8
AmGeneral Insurance (AmAssurance)
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
9
RHB Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
10
Lonpac Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
Etiqa Takaful
Allianz Malaysia
Etiqa Insurance
Takaful Malaysia
Takaful Ikhlas
Generali Malaysia (formerly AXA Affin)
Kurnia Insurance
AmGeneral Insurance (AmAssurance)
RHB Insurance
Lonpac Insurance
Full Motorcycle Insurance Directory
Exhaustive list of regional providers
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
Etiqa Takaful
|
Comprehensive
Third Party
|
|
|
|
Allianz Malaysia
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Etiqa Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Takaful Malaysia
|
Motor Takaful (Comprehensive)
Motor Takaful (Third Party)
|
|
|
|
Takaful Ikhlas
|
Motor Takaful (Comprehensive)
Motor Takaful (Third Party)
|
|
|
|
Generali Malaysia (formerly AXA Affin)
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Kurnia Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
AmGeneral Insurance (AmAssurance)
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
RHB Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Lonpac Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
Etiqa Takaful
Allianz Malaysia
Etiqa Insurance
Takaful Malaysia
Takaful Ikhlas
Generali Malaysia (formerly AXA Affin)
Kurnia Insurance
AmGeneral Insurance (AmAssurance)
RHB Insurance
Lonpac Insurance
Third Party motorcycle insurance is mandatory in Malaysia under the Road Transport Act, tied directly to road tax renewal. Given how many Malaysians rely on motorcycles as everyday transport, this requirement touches an enormous share of the population.
Tied to Road Tax Renewal
Without valid insurance, you cannot renew your road tax, making riding uninsured for any extended period genuinely impractical, not just illegal.
NCD Works the Same as Cars
The No Claim Discount system applies to motorcycles at the same tiers as cars, and generally transfers between bikes provided you can produce your NCD certificate.
Third Party vs. Comprehensive in Practice
Given how many Malaysian motorcycles are affordable, everyday transport, third-party-only remains extremely common, with comprehensive more typical for newer or higher-value bikes.
Special Perils and Flood Cover
Flood cover is often a separate add-on rather than standard inclusion. Given how exposed motorcycle engines and electricals are to flood damage during monsoon season, this is worth checking specifically.
Key Guidance
Treat the 24-hour police report window as seriously for a motorcycle accident as for a car accident — arguably more so, given injury is more often a factor. Read our complete guide for the full process.
In-Depth Guide
Motorcycle Insurance in Malaysia: How to Get It and How to Claim It
Full application and claims process →
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