Motorcycle Insurance in Malaysia: What You Actually Need to Know
Whether you're riding a kapchai to work or cruising on a superbike during weekends, one thing's certain – you need insurance. But how much does motorcycle insurance actually cost in Malaysia? And should you go for third party or comprehensive?
We built this calculator to give you instant estimates without the usual hassle of filling out lengthy forms or waiting for agents to call back. Just select your bike's engine capacity, choose your coverage type, and get your numbers in seconds.
Third Party vs Comprehensive: Which One Do You Need?
This is the biggest decision you'll make when insuring your motorcycle. Here's the honest breakdown:
Third Party Coverage
The legal minimum. This covers damage you cause to other people and their property. If you hit someone's car, the insurance pays for their repairs. But if YOUR bike gets stolen or damaged? You're on your own.
Best for: Older motorcycles, budget kapchai under RM5,000, bikes you can afford to replace
Comprehensive Coverage
Full protection. Covers third party damage PLUS theft, fire, and accidental damage to your own motorcycle. Yes, it costs more, but you sleep better knowing you're protected.
Best for: New motorcycles, expensive bikes, high-theft areas, anyone who can't afford to lose their bike
How Much Does Motorcycle Insurance Cost by Engine CC?
Here's a realistic breakdown based on 2026 rates (with 0% NCD):
| Engine CC | Third Party | Comprehensive | Road Tax |
|---|---|---|---|
| Below 150cc (Kapchai) | RM70-90 | RM200-250 | RM2 |
| 150cc - 200cc | RM85-110 | RM280-350 | RM30 |
| 201cc - 250cc | RM100-130 | RM380-480 | RM60 |
| 251cc - 500cc | RM130-170 | RM520-650 | RM120 |
| 501cc - 800cc | RM180-230 | RM750-950 | RM180 |
| Above 800cc (Superbikes) | RM250-320 | RM1,100-1,400 | RM250 |
Pro tip: If you've been claim-free for 5+ years, your 55% NCD cuts these costs nearly in half. That's why safe riding literally pays.
Understanding NCD (No Claim Discount) for Motorcycles
NCD is your reward for not making claims. The longer you go without a claim, the bigger your discount:
0%
First Year / After Claim
25%
1 Year Claim-Free
30%
2 Years Claim-Free
38.33%
3 Years Claim-Free
45%
4 Years Claim-Free
55%
5+ Years Claim-Free
Important: Your NCD is tied to YOU, not your motorcycle. When you sell your bike and buy a new one, your NCD follows you. But if you make a claim, you lose it all and start from 0%.
Real Examples: Popular Malaysian Motorcycles
Honda Wave 125 (Kapchai)
Engine: 125cc | Third Party: ~RM75/year | Comprehensive: ~RM210/year | Road Tax: RM2
Malaysia's most popular motorcycle. Third party is enough for most riders.
Yamaha Y15ZR (Y-Suku)
Engine: 150cc | Third Party: ~RM90/year | Comprehensive: ~RM300/year | Road Tax: RM30
Hot target for theft. Comprehensive recommended if parking in public areas.
Kawasaki Ninja 250
Engine: 250cc | Third Party: ~RM110/year | Comprehensive: ~RM420/year | Road Tax: RM60
Entry-level sportbike. Definitely get comprehensive for a bike worth RM20k+.
BMW R1250GS (Adventure)
Engine: 1254cc | Third Party: ~RM280/year | Comprehensive: ~RM1,300/year | Road Tax: RM250
Premium superbike. Comprehensive is a must – parts alone cost a fortune.
5 Ways to Lower Your Motorcycle Insurance Cost
1. Don't claim for small repairs
A RM500 scratch isn't worth losing your NCD. Pay out of pocket for minor stuff.
2. Compare quotes online
Different insurers charge different rates. Platforms like Bjak let you compare 15+ insurers in minutes.
3. Install anti-theft devices
Some insurers give discounts for bikes with GPS trackers or disc locks. Worth asking.
4. Consider higher excess
Agreeing to a higher excess (the amount you pay first when claiming) lowers your premium.
5. Renew on time
Letting your insurance lapse means starting NCD from zero. Set a reminder!
Does Location Affect Your Premium?
Yes. Insurance rates differ between Peninsular Malaysia and East Malaysia (Sabah/Sarawak). Generally, East Malaysia enjoys slightly lower premiums due to lower theft rates and different traffic patterns.
High-theft areas in KL, Johor, and Penang may also see slightly higher rates, especially for popular models like the Y15ZR and Honda RS150.
Ready to Get the Best Price?
Use the calculator above to estimate your costs, then click "Get Best Price on Bjak" to compare actual quotes from 15+ insurers. It takes 2 minutes and could save you RM50-200 on your annual renewal.
Ride safe, and make sure you're properly covered.