Insurans Kereta 3rd Party Malaysia 2026
Berapa harga insurans kereta 3rd party? Apa yang dilindungi? Bila ia lebih berbaloi dari komprehensif? Kira sekarang.
Car Insurance Calculator Malaysia 2026
Calculate your car insurance premium and road tax in Malaysia
Covers your car + third party damage, theft, and fire
Your Insurance Premium
Annual Premium
RM 758.44
Comprehensive Coverage
Road Tax (Annual)
Road Tax
RM 90.00
Engine
1,401cc - 1,600cc
Total Annual Cost
Insurance + Road Tax
RM 848.44
Renew Car Insurance on Shopee
Trusted by millions — renew in minutes
- 🛣️FREE road tax for cars below 1,600cc
- 🧑⚕️FREE Personal Accident (PA) insurance coverage
- 💳SPayLater — pay in 1, 3, 6 or 12 months
- 🏷️Extra 10% off when you pay with SPayLater
- 💰Cashback + ShopeePay coins every purchase
- 🚗FREE 24/7 roadside assistance
⏰ Tawaran terhad — semak harga sekarang
Kaedah pembayaran:
Compare Prices From 15+ Insurers
Premium RM 758.44 · +FREE RM100
Renew on Shopee + claim RM100 ShopeePay bonus
Renew Car Insurance on Shopee
Trusted by millions — renew in minutes
- 🛣️FREE road tax for cars below 1,600cc
- 🧑⚕️FREE Personal Accident (PA) insurance coverage
- 💳SPayLater — pay in 1, 3, 6 or 12 months
- 🏷️Extra 10% off when you pay with SPayLater
- 💰Cashback + ShopeePay coins every purchase
- 🚗FREE 24/7 roadside assistance
⏰ Tawaran terhad — semak harga sekarang
Kaedah pembayaran:
Apa Yang Dilindungi Insurans Kereta 3rd Party?
✅ Dilindungi
- ✅Liabiliti kepada pihak ketiga (kerosakan harta benda orang lain)
- ✅Kecederaan badan atau kematian pihak ketiga
- ✅Tuntutan guaman oleh pihak ketiga
- ✅Perlindungan wajib untuk kelulusan JPJ / road tax
❌ Tidak Dilindungi
- ❌Kerosakan kereta anda sendiri dalam kemalangan
- ❌Kecurian kereta anda
- ❌Kerosakan akibat banjir atau kebakaran
- ❌Kecederaan diri pemandu (perlu tambah PA rider)
- ❌Kerosakan cermin depan / windscreen
Bila Patut Pilih Insurans Kereta 3rd Party?
Kereta berusia 10+ tahun
Nilai pasaran dah jatuh — premium komprehensif mungkin hampir sama dengan nilai kereta itu sendiri. 3rd party jauh lebih berbaloi.
Nilai pasaran bawah RM15,000–20,000
Bila nilai kereta rendah, pampasan tuntutan komprehensif tidak jauh beza tapi premium lebih mahal. Kira break-even dengan kalkulator.
Tiada hire purchase / pinjaman bank
Bank wajibkan komprehensif untuk kereta dalam pinjaman. Kalau kereta dah fully paid, anda bebas pilih 3rd party.
Parking selamat, kawasan rendah risiko
Jika kereta dipark dalam kawasan berpagar, risiko kecurian dan kerosakan rendah — 3rd party mencukupi.
Pemandu berpengalaman, rekod bersih
Dengan NCB 55%, 3rd party menjadi sangat murah. Pemandu berhati-hati mendapat manfaat terbesar dari 3rd party + NCB tinggi.
Add-on Berguna untuk 3rd Party
PA (Personal Accident)
DisyorkanPampasan kecederaan / kematian pemandu
RM40–100/tahun
Passenger PA
PA untuk penumpang dalam kereta
RM30–80/tahun
Windscreen
DisyorkanGantian cermin depan pecah
RM50–150/tahun
Legal Liability to Passenger
Liabiliti kepada penumpang kereta anda
RM15–40/tahun
Daftar ShopeePay — Dapat Sehingga RM100
Kod 22CKLWLLB · 5 minit e-KYC · First-come first-served (bajet RM1,000,000)
Kenapa ShopeePay?
- 💰RM100 welcome bonus (anda + kawan)
- 📱SPayLater 0% BNPL — 3/6/12 bulan, Shariah-compliant
- 🏦Money+ earn sehingga 8% p.a. (iFAST + Eastspring)
- 🛡️FREE road tax voucher (sehingga 30 Apr 2026)
- ✈️Travel 10% off — hotel, flights, KKday
- 📶Extra coins on Unifi, Digi, Yoodo, Hotlink bills
- 🎫Daily 50% off vouchers + VIP exclusive deals
- 🔐2FA + Tap Secure — Bank Negara licensed e-wallet
Guna kod 22CKLWLLB semasa sign-up · Tamat 30 April 2026