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đŸ›Ąī¸ Insurance Calculators Malaysia

Insurance Calculator Malaysia 2026

Compare car, motorcycle, EV & travel insurance costs in minutes. Get instant quotes from 15+ insurers and find the best coverage for your needs.

Choose an Insurance Calculator

Free calculators for car, motorcycle, and EV insurance — compare premiums and find the best deal.

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EV Car Insurance Calculator

Calculate electric vehicle insurance premium and road tax. Compare prices from 15+ insurers.

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Car Insurance Calculator

Calculate car insurance premium and road tax. Compare comprehensive vs third party coverage.

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Road Tax & Motorcycle Insurance

Calculate motorcycle insurance premium and road tax. Compare third party vs comprehensive.

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Allianz Motorcycle Insurance

Get Allianz motorcycle insurance quote instantly. Compare coverage options and prices.

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Cheapest Motorcycle Insurance

Find the cheapest motorcycle insurance in Malaysia. Compare quotes from all major insurers.

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đŸī¸

Kalkulator Insurans Motor

Kira premium insurans motor anda dengan segera. Bandingkan harga dari 15+ syarikat insurans.

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Medical Card Calculator

Estimate medical card premiums by age, coverage limit and plan type. Compare plans from top insurers.

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Critical Illness Calculator

Calculate critical illness coverage for Cancer, Heart Attack & Stroke. Find out how much CI insurance you need.

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đŸĻē

Personal Accident Calculator

Calculate PA insurance premium for accidental death, disability & medical expenses. Compare plans instantly.

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Home Insurance Calculator

Calculate home insurance premium for your property. Compare houseowner, householder & comprehensive coverage.

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âœˆī¸

Travel Insurance Calculator

Calculate travel insurance for domestic & international trips. Compare single trip vs annual plans.

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E-Hailing Insurance Malaysia

Grab, InDriver, Lalamove, Foodpanda drivers — personal insurance does NOT cover e-hailing. From RM140/year.

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đŸĨ

Medical Insurance Malaysia

Complete guide to medical insurance types, costs and best plans. Medical card from RM42/month. Compare AIA, Prudential, Etiqa.

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🌙

Takaful Insurance Malaysia

What is takaful? Compare takaful vs conventional insurance. Motor takaful from RM180/year. Top operators: Etiqa, Takaful Malaysia, AIA Public Takaful.

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Etiqa Insurance Malaysia

Malaysia's largest insurance group. Motor from RM380/year, travel from RM15/trip, medical from RM42/month. Conventional + Takaful options.

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Kurnia Insurance Malaysia

Kurnia car insurance from RM340/year. Famous for 24-hour towing (1800-88-6491). Compare Kurnia vs Etiqa, Allianz, Tokio Marine.

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Allianz Insurance Malaysia

World's largest insurer — car from RM350/year, travel from RM18/trip, SmartMedic from RM50/month. Strong global claims service.

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Prudential Malaysia

PRUMedic medical card from RM65/month, critical illness (36 CI) from RM80/month. Malaysia's largest life insurer since 1924.

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Tokio Marine Insurance Malaysia

Japan's oldest insurer in Malaysia — car from RM370/year. Best for SME, commercial and marine cargo insurance.

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AIA Insurance Malaysia

Asia's largest life insurer — A-Plus Med from RM60/month, CI from RM70/month, AIA Vitality wellness rewards.

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Great Eastern Insurance Malaysia

Malaysia's oldest insurer since 1908 — MedFlexi from RM55/month, 40 CI conditions covered. Broadest CI in Malaysia.

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Chubb Insurance Malaysia

AM Best A++ rated — car from RM360/year, travel from RM20/trip, maid insurance. World's largest P&C insurer.

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Lonpac Insurance Malaysia

Public Bank / LPI Capital subsidiary — car from RM340/year. One of Malaysia's most affordable comprehensive insurers.

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Zurich Insurance Malaysia

Swiss insurer S&P AA- rated. Car from RM360/year, Zurich Takaful from RM180/year. Strong SME and life insurance.

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Takaful Malaysia (Sun Life Takaful)

Malaysia's pioneer takaful operator since 1984, now Sun Life Malaysia Takaful. Motor takaful from RM180/year.

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Hong Leong Insurance Malaysia

Hong Leong Financial Group — car from RM345/year, HLA MedCard (life) from RM55/month. Compare general vs life arm.

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RHB Insurance Malaysia

RHB Bank subsidiary — car from RM340/year, TravelCare from RM18/trip. Competitive pricing across all general insurance.

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MSIG Insurance Malaysia

Mitsui Sumitomo / MS&AD Japan — car from RM355/year, TravelEasy from RM20/trip. Best for Japanese cars and marine cargo.

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Tune Protect Malaysia

AirAsia-linked digital insurer — cheapest travel from RM8/trip, motor from RM330/year. 100% online.

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đŸ›Ąī¸

Life Insurance Malaysia Guide

Term life from RM50/month, CI from RM70/month. Compare term vs whole life vs ILP. 10× income rule explained.

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đŸ›Ąī¸

Life Insurance Coverage Calculator

Calculate how much life insurance you need. Factor in income, debts & dependents to find your coverage gap.

Calculate Now
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Tesla Insurance Calculator

Calculate Tesla Model 3 & Model Y insurance premium and 2026 road tax. Compare EV insurance from 15+ insurers.

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EV Road Tax Calculator 2026

Calculate EV road tax using 2026 kW-based rates. Covers BYD, Tesla, Proton e.MAS, BMW and all electric vehicles.

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Term Life Insurance Calculator

Estimate term life insurance premium by age, gender and coverage. Compare term life vs takaful costs.

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Medical Card Premium Calculator

Estimate medical card premiums by age, limit and deductible. Compare RM60K to RM1M annual limits.

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NCD Calculator

Calculate your No Claim Discount and find out if making a claim is worth losing your NCD. PIAM official rates.

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Insurans Motor Murah Malaysia

Panduan jimat insurans motor — harga mengikut CC, NCB, 3rd party vs komprehensif, dan tips bayar murah.

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NCB Kereta Calculator

Kira diskaun NCB insurans kereta 25%–55%. Analisis sama ada berbaloi buat tuntutan atau kekalkan NCB.

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Insurans Kereta 3rd Party

Harga, perlindungan, dan bila patut pilih insurans kereta 3rd party vs komprehensif di Malaysia.

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Insurans Kereta Komprehensif

Panduan insurans kereta komprehensif — perlindungan penuh, riders berguna, dan bila berbaloi vs 3rd party.

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Insurans Kereta Elektrik Malaysia

Panduan insurans EV — kenapa mahal, apa dilindungi, harga mengikut model BYD/Tesla/Volvo, dan tips jimat.

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Cara Tuntut Insurans Kereta Malaysia

Panduan lengkap tuntutan insurans kereta — own damage vs 3rd party, laporan polis, bengkel panel, kesan NCB.

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2,400+
Policies Compared
16
Calculators
RM 340
Avg Savings/Year
100%
Free to Use

Frequently Asked Questions

How is car insurance premium calculated in Malaysia?
Car insurance premiums in Malaysia are calculated based on your vehicle's sum insured (market value), engine capacity (cc), vehicle age, NCD (No Claim Discount), and the type of coverage (comprehensive vs third party). Comprehensive coverage costs more but covers own damage, theft, and third party liability. Third party insurance only covers damage to other vehicles and property.
What is NCD (No Claim Discount) and how does it work?
NCD is a discount on your insurance premium for each year you don't make a claim. It starts at 25% after the first claim-free year and increases to 30%, 38.33%, 45%, and up to 55% after 5+ years. If you make a claim, your NCD resets to 0%. NCD is transferable between vehicles and can save you hundreds of ringgit annually.
Is EV car insurance more expensive in Malaysia?
EV insurance premiums can be 10-30% higher than equivalent petrol cars due to higher repair costs for batteries and specialized components. However, EVs are exempt from road tax in Malaysia until 2025, which offsets some of the cost. Some insurers now offer EV-specific policies with battery coverage and charging equipment protection.
What is the minimum motorcycle insurance required in Malaysia?
The minimum legal requirement is third party insurance, which covers damage to other people's vehicles and property. Premiums start from around RM 70-120/year for motorcycles under 150cc. Comprehensive coverage, which also covers your own motorcycle, typically costs RM 200-500/year depending on the bike's value and engine capacity.
How can I save money on car insurance in Malaysia?
The best ways to save on car insurance include: maintaining your NCD by not making small claims, comparing quotes from multiple insurers, choosing higher voluntary excess, installing approved security devices, and considering third party coverage for older vehicles. You can also save by bundling add-ons strategically rather than adding all available coverage.

All Insurance Calculators & Guides

🚗

EV Car Insurance Calculator Malaysia 2026

Calculate your electric vehicle insurance premium and road tax in seconds. Compare prices from 15+ insurers.

🏍

Road Tax & Motorcycle Insurance Calculator

Calculate motorcycle insurance premium and road tax. Compare third party vs comprehensive coverage.

🚙

Car Insurance Calculator

Calculate car insurance premium and road tax. Compare comprehensive vs third party coverage.

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Allianz Motorcycle Insurance

Get Allianz motorcycle insurance quote instantly

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Insurans Kereta Murah Malaysia

Tips jimat premium insurans kereta — NCB, 3rd party vs komprehensif, renew online. Kira premium sekarang.

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NCB Kereta Calculator Malaysia

Kira diskaun NCB insurans kereta 25%–55%. Analisis sama ada berbaloi buat tuntutan atau kekalkan NCB.

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Insurans Kereta 3rd Party Malaysia

Harga, perlindungan, dan bila patut pilih insurans kereta 3rd party vs komprehensif di Malaysia.

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Insurans Kereta Komprehensif Malaysia

Panduan insurans kereta komprehensif — perlindungan penuh, riders berguna, dan bila berbaloi vs 3rd party.

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Insurans Kereta Elektrik Malaysia

Panduan insurans EV di Malaysia — kenapa mahal, apa dilindungi, harga mengikut model, dan tips jimat.

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Cara Tuntut Insurans Kereta Malaysia

Panduan tuntutan insurans kereta — own damage vs 3rd party, laporan polis, bengkel panel, kesan NCB.

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Insurans Motor 3rd Party Malaysia

Harga insurans motor 3rd party mengikut CC, apa yang dilindungi, dan bila patut pilih 3rd party vs komprehensif.

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Insurans Motor Komprehensif Malaysia

Panduan insurans motor komprehensif — harga, riders, market value vs agreed value, dan cara jimat premium.

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Road Tax Motosikal Malaysia

Kadar cukai jalan motosikal mengikut CC dan cara renew road tax motor online melalui MyJPJ, MyEG, atau Shopee.

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Insurans Motor Wanita Malaysia

Panduan insurans motor untuk pengendara wanita — tips jimat premium, PA rider, dan cara renew online.

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NCB Calculator Malaysia

Kira diskaun No Claim Bonus insurans motor. Semak NCB 25%–55% dan analisis sama ada berbaloi buat tuntutan.

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Cheapest Motorcycle Insurance

Find the cheapest motorcycle insurance in Malaysia

🏍

Insurans Motor Murah Malaysia

Bandingkan harga insurans motor 3rd party vs komprehensif. Senarai harga mengikut CC + tips jimat NCB.

🏷

Kalkulator Insurans Motor Malaysia

Kira premium insurans motor anda dengan segera

🛡

Medical Card Calculator Malaysia

Compare medical card premiums from top insurers. Estimate monthly cost based on age, coverage & budget.

🧑⚕

PA Insurance Calculator Malaysia

Estimate Personal Accident insurance premium by age, occupation class and coverage amount. From RM0.25/day.

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Critical Illness Insurance Calculator

Calculate CI coverage for Cancer, Heart Attack & Stroke. Find out how much critical illness insurance you need.

đŸĻē

Personal Accident Insurance Calculator

Calculate PA insurance premium for accidental death, disability & medical expenses.

🛡

Home Insurance Calculator Malaysia

Calculate home insurance premium. Compare houseowner, householder & comprehensive coverage for your property.

✈

Travel Insurance Calculator Malaysia

Calculate travel insurance for domestic & international trips. Single trip vs annual plans.

🚗

E-Hailing Insurance Malaysia

Grab, InDriver, Lalamove, Foodpanda drivers — personal insurance does NOT cover e-hailing. Estimate premium from RM140/year.

🛡

Medical Insurance Malaysia

Complete guide to medical insurance types, costs and best plans. Medical card from RM42/month. Compare AIA, Prudential, Etiqa, Great Eastern.

🌙

Takaful Insurance Malaysia

What is takaful? Compare takaful vs conventional insurance. Motor takaful from RM180/year. Etiqa, Takaful Malaysia, AIA Public Takaful.

🛡

Etiqa Insurance Malaysia

Malaysia's largest insurance group. Motor from RM380/year, travel from RM15/trip, medical from RM42/month. Conventional + Takaful options.

🚗

Kurnia Insurance Malaysia

Kurnia comprehensive car insurance from RM340/year. Famous for 24-hour towing (1800-88-6491). Compare Kurnia vs other insurers.

🛡

Allianz Insurance Malaysia

World's largest insurer in Malaysia. Car from RM350/year, travel from RM18/trip, SmartMedic from RM50/month. Strong claims service.

🛡

Prudential Malaysia

PRUMedic medical card from RM65/month, critical illness (36 CI) from RM80/month. One of Malaysia's largest life insurers since 1924.

🗾

Tokio Marine Insurance Malaysia

Japan's oldest insurer in Malaysia. Car from RM370/year. Best for SME commercial coverage, fleet insurance and marine cargo.

🛡

AIA Insurance Malaysia

Asia's largest life insurer. A-Plus Med medical card from RM60/month, CI from RM70/month, AIA Vitality wellness rewards up to 15% discount.

đŸŒŋ

Great Eastern Insurance Malaysia

Malaysia's oldest insurer since 1908. MedFlexi medical card from RM55/month, 40 CI conditions — broadest CI coverage in Malaysia.

🛡

Chubb Insurance Malaysia

AM Best A++ insurer — car from RM360/year, travel from RM20/trip, maid insurance, Chubb SureCover. World's largest P&C insurer.

🛡

Lonpac Insurance Malaysia

Public Bank subsidiary, LPI Capital listed. Car from RM340/year — one of Malaysia's most affordable comprehensive insurers.

🇨🇭

Zurich Insurance Malaysia

Swiss insurer S&P AA- rated. Car from RM360/year + Zurich Takaful from RM180/year. Strong SME and life insurance products.

â˜Ē

Takaful Malaysia (Sun Life Takaful)

Malaysia's pioneer takaful operator since 1984, now Sun Life Malaysia Takaful. Motor takaful from RM180/year. Shariah-compliant.

🛡

Hong Leong Insurance Malaysia

Hong Leong Financial Group — car from RM345/year, HLA MedCard from RM55/month. Separate entities for general and life insurance.

🛡

RHB Insurance Malaysia

RHB Bank subsidiary — car from RM340/year, TravelCare from RM18/trip. Competitive pricing, RHB branch network.

🗾

MSIG Insurance Malaysia

Mitsui Sumitomo / MS&AD Japan. Car from RM355/year, TravelEasy from RM20/trip. Best for Japanese car owners and marine cargo.

✈

Tune Protect Malaysia

AirAsia-linked digital insurer — cheapest travel insurance from RM8/trip, motor from RM330/year. 100% online platform.

🛡

Life Insurance Malaysia Guide

Term life from RM50/month, CI from RM70/month. Complete guide — 10x income rule, DIME formula, term vs whole life vs ILP.

🛡

Life Insurance Coverage Calculator

Calculate how much life insurance you need. Factor in income replacement, debts & dependents to find your coverage gap.

⚡

Tesla Insurance Calculator

Calculate Tesla Model 3 & Model Y insurance premium and road tax in Malaysia.

🔋

EV Road Tax Calculator 2026

Calculate electric vehicle road tax under Malaysia's new kW-based structure. Compare with ICE road tax.

🛡

Term Life Insurance Calculator

Estimate term life insurance premium by age, gender, coverage and term. Compare term life vs takaful.

💊

Medical Card Premium Calculator

Estimate medical card premiums by age, annual limit and deductible. Compare RM60K to RM1M plans.

đŸ”ĸ

NCD Calculator

Calculate your No Claim Discount and find out if claiming is worth losing your NCD. PIAM official rates.

â˜Ē

Etiqa Motor Takaful Calculator

Kira anggaran sumbangan Etiqa Motor Takaful untuk kereta dan motosikal. Komprehensif vs pihak ketiga. Patuh Syariah.

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BYD EV Insurance Malaysia

Atto 3 RM2,800-4,200, Seal RM3,500-5,500, Dolphin RM2,200-3,500, M6 RM3,200-4,800.

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