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How to get cheapest car insurance?

As you are aware, car insurance is pricey but there are some measure that can be considered to avoid paying more than you should. Comparing the quotes with us is the best way to save money on your premiums

Compare at least 3 car insurance quotes

By comparing the quotes through PolicyStreet, you are able to get the best deal!

Opt for higher deductibles or pay per use

By requesting for higher deductibles, you can cut down on your premiums.

Do not opt for too much coverage. Stick with what you need!

Bear in mind that the more coverage you add on to your policy, the higher the premiums that would have to be incurred.

Drive safely and meticulously

The best way to lower your premiums is by avoiding accidents and driving more carefully.

Maintain a good credit record

By establishing a solid credit history, you may cut down on your premiums in the long run.

Save up to 18% When you buy or renew your car insurance with us!

We want to make sure you always get the best deal out of your car insurance. Now, you can get 18% off whether you are buying for the first time or renewing your car insurance exclusively at PolicyStreet. Plus, it is free to use our comparison platform and simple enough to get your insurance within 3 steps.

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What cover do I need to consider?

In Malaysia, car insurance companies offer three basic types of car insurance coverages. Depending on the policy, car insurance can cover all or part of the cost of repairs or replacement, as well as the cost of damages to a third party’s car or property. It is recommended that you choose the car insurance that suits your needs rather than choosing the cheapest option.

Comprehensive car insurance is known as the most widest and diverse coverage compared to the other coverages. This coverage will cover you for repair or replacement costs if your car is damaged, stolen or caught in a fire. Additional extensions can be added too depending on the type of extensions you require.

Key Points:

Covers death or injury to the third party.

Covers damage to the third parties’ properties.

Covers loss or damage to your car caused by fire or theft.

Covers damage to your vehicle due to accident.

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Car Insurance 101

What you need to know?

In Malaysia, as a car owner it is mandatory to own a car insurance because no matter how skilled you are, numerous unpredictable incidents could happen on the road which are beyond your control.

Do checkout the FAQ to clear your doubts on car insurance!

Is my car covered if someone else drives it?

Your car would be covered if you have included the person’s name in your policy. If the person’s name is not included, then you would have to compensate for the losses. It is always better to include the person’s name who frequently drives your car. It is free for the first two names and RM10 would have to be incurred for the additional drivers.

What is the optional coverage that I can buy under car insurance?

The optional coverage would be the additional extensions that fall under comprehensive coverage. The optional coverage are as follows:

  • Windscreen Coverage

  • Named Driver

  • Special Perils (Flood, Hurricane, Typhoons, Earthquakes, Landslides and other natural disasters)

  • Personal Accidents and Medical Benefits for Drivers and Passengers

  • Legal liability

    • Legal Liability to Passengers (LLTP)

    • Legal Liability of Passengers (LLOP)

  • Compensation for Assessed Repair Times

  • Car Accessories Coverage

  • Strike, Riot and Civil Commotion

How insurers calculate car insurance or what are the factors affecting my car premium?

As you know, premiums differ from one policyholder to another policyholder. Therefore, you should consider the factors affecting car premiums to understand how your car insurance is priced.

Driving record: Drivers that have a safe driving record would be charged with less premiums compared to those who are prone to cause accidents. Your NCD would be affected too.

Location: Drivers who are living in areas that have high crime rates and larger populations would be charged with higher premiums compared to those who live in a low crime rate area.

Coverage history: If the driver has continuous auto insurance coverage which shows that the driver is a responsible car owner, then a lower premium would be charged compared to those who have a bad record.

Vehicle: Cars that have safety features and lower market value would cause the premiums to be lower than cars without these requirements.

How much you drive?: If the driver spends less time driving, then the driver would have a lower chance of getting into an accident and therefore, the premiums would be much lower compared to those who spend more time driving.

In brief, all of these requirements will be taken into consideration by the insurers when charging premiums to a policyholder.

How do I submit car insurance claims?

When submitting claims, you should directly contact your insurance company. For instance, if you have purchased car insurance from Allianz, then you should submit your claims to Allianz directly for them to review and verify your claim.

What is excess and how does it affect my premium?

Deductibles which are also known as excess is the amount of money that you would have to incur while the remaining amount would be borne by the insurance company. The higher the deductibles, the lower the premiums as you have taken more risk on yourself and the insurance company would pay less for your losses.

To clarify, if you have RM1000 deductible and have encountered an accident where you are at fault which have caused RM2000 damage to your vehicle, then you would have to pay the first RM1000 out-of-pocket while your insurance company would bear the remaining losses of RM1000.

Therefore, by being a rational and wise policyholder you should be able to choose the right amount of deductible by comparing how much you would save on your policy each year and how much you would have to fork out money in the event of an accident. You would need to find a perfect equilibrium between your personal budgets and need

Can I renew road tax with PolicyStreet?

Yes, definitely you can! Visit www.policystreet.com/motor/ to renew your road tax with PolicyStreet. Wait no more, renew it now!

How to cancel my car insurance policy?

If you insist on cancelling your policy, you should immediately contact PolicyStreet to let them know by messaging them through WhatsApp, calling or dropping an email to them. Do not wait till the last minute.

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