Motor Insurance

Owners of private or company cars are eligible to apply.

At the moment, motor insurance is only available on RHB Online Banking.

As long as you're old enough to own a car with a valid driving license issued by JPJ.

In accordance with Malaysia’s Road Transport Act 1987, all cars on the road will need to be insured.

Currently, you may only purchase a comprehensive car insurance policy (also known as a first party policy) on RHB Online Banking which provide the following coverage:

Death or injury to other parties
Damage to other parties’ property
Loss/damage to your car due to theft or fire
Damage to your car due to an accident

If you wish to purchase another type of car insurance coverage (i.e third party, third party fire and theft), you can contact us through the following channels:

Meet our authorised intermediary (i.e Agent, General Insurance Specialist)
Visit any of our RHB Insurance and Bank branches, click here for more details
Call +1 300 220 007
WhatsApp +6012 6031978
Email us at general@rhbgroup.com

Yes, provided you have all their necessary details.

After the premiums are fully paid your motor insurance will take effect.

Car policies follow a “cash before cover” principle.

You may renew no earlier than 2 months from your next renewal date. Please note that RHB’s car insurance quote is valid for 30 days only.

The details of your policy will be sent to the email address that you used to apply for the insurance. For general car insurance related documents, it can be viewed here.

After completing a successful purchase, a copy of the cover note will be sent to your email address that you have used to apply for the insurance.

Your NCD (Non Claim Discount) will be automatically transferred from your current car insurer to RHB Insurance when you renew your car insurance with us.

Yes, under the condition that no fault claims incurred during the current policy period. You will need to inform your existing insurer to cancel the policy for the old car and your NCD can be transferred to your new car insurance.

Yes, under the condition that no claims have been incurred during the current policy period.

You may cancel your car insurance and request a premium refund as per Policy Wording.

NCD is tagged to your NRIC, car number, and chassis number. Each car carries its own NCD and is entitled to up to a 55% discount if no claims were made for one full year.

You can contact RHB Insurance through the following channels:

Web portal: Click on the “Emergency assistance” button on https://rhbinsurance.com.my/ or on RHB Insurance mobile app. Alternatively, click here.
Call RHB Roadside Assistance hotline: 1300 880 881

RHB Motor Insurance provides insurance against liabilities to other parties for injury or death, damage to other parties’ property and accidental or fire damage to your car or theft of your car. Our key benefits include:

Enjoy up to 40% discount on car insurance premium with Motor Saver
Free 24/7 emergency roadside assistance
Immediate claim payouts of up to RM10,000 for unexpected natural disaster, click here for more details
Option for car insurance excess to reduce the premium
Option for an agreed value upon loss/damage of your car

Yes, you can. However, to avoid under or over-insuring your car, it is advisable to choose our recommended amount.

If the sum insured of your car is less than the market value (under-insured) at the time of the loss, we'll apply the Average Clause which means we'll only bear part of the loss in proportion to the difference between the market value and the sum insured as per the formula below:

The balance will be borne by you. This will only apply if the under-insured amount is more than 10% of the market value.

For example:
Market value upon purchase in 2020: MYR 80,000
Under-insured for MYR 60,000
Market value upon damage/loss in 2022: MYR 70,000
Cost of damage/loss: MYR 10,000
Average Clause amount calculation as such: MYR 60,000/MYR 70,000 x MYR 10,000 = MYR 8,571
You need to bear the balance of MYR 571.

Our market value is based on Market Valuation System approved by Persatuan Insurans Am Malaysia (PIAM).

You may select the following add-ons with additional premium during quotation:

Windscreen damage
Car damage due to flood, windstorm, landslide and other n natural disasters
Car damage due to malicious intent, riot, strike and civil commotion
Personal accident and medical benefits for driver and/or passengers
Liability to passenger
Liability to third party caused by passenger

Note: This is subject to agreement by your insurers and will incur an addition premium. The list of add-ons may be amended from time to time.

Yes. An individual car policy may include a named driver by paying an additional premium of MYR 10 for the third named driver and above. You may also choose the unnamed driver extension coverage with an additional premium of MYR 25.

Yes, you may be entitled up to 55% NCD as set by PIAM.

After detariffication, risk-based pricing system has been implemented. This means that premium calculation is not based on capacity and sum insured, but it takes into account other rating factors such as location, car models, etc. to generate the premium.

Car policies follow a “cash before cover” principle. This means that premiums must be fully paid before an insurance cover can take effect.

a) If the accident was your fault, make an Own Damage (OD) claims
b) If the accident was not your fault, make an Own Damage Knock-for-Knock (ODKFK) claim (instead of making a third party claim)
c) If your windscreen is broken, make a windscreen claim

Follow the steps below:
a) Send your car to panel repairer and hand over the relevant claim documents
b) Panel repairer shall notify insurance company within 7 days from date of accident

Alternatively, you may submit your claim through the RHB claims portal. You may refer to the guide here for more information.

For Own Damage (OD) claims, you will need the documents below:

Completed claim form
Original copy of police report
Copy of driver's and policyholder's identity card and driving license
Copy of car ownership certificate
Photos of the accident scene and damages to the car

For Own Damage Knock-for-knock (ODKFK) claims, the required documents for filing a claim are listed below:

Completed claim form
Original copy of police report
Copy of driver's and policyholder's identity card and driving license
Copy of car ownership certificate
Photos of the accident scene and damages to the car
Complete set of police documents (third party police report, police outcome, police sketch plan & keys)

For windscreen claims, the required documents are listed here.

Note: The panel repairer will assist to obtain full set of police documents.

To check the status of your claims, contact us at 1 300 220 007 or notify us through the RHB Claims Portal.

The processing time for Own Damage claims is as follows:

Claim offer: Within 7 working days upon receiving completed documents
Claim settlement: Within 8 working days upon receiving completed payment documents

Note: Depending on the type of claim, the claims process duration may vary.

Your NCD will only be affected if you are claiming due to an accident at your own fault.

Yes, if you don't have an extended coverage for your windscreen. It’s advisable to add-on windscreen coverage when purchasing your insurance.

This depends on the cost of repair. If the repair cost is less than your car insurance deductible, you're advised to pay out-of-pocket because this claim may affect your NCD.

You may refer to our exclusions listing in the Policy Wording for full details.

The rates may change in the future and you'll be notified at least 30 days before any changes occur. The new rate will only be effective on your policy anniversary date.

Upon successful payment, you will receive your policy schedule via registered email or via your intermediary.

You may cancel the policy anytime by contacting us at 1 300 220 007 or providing a written notice 14 days in advance. The cancellation becomes effective on the date we receive the notice or the date specified in the notice, whichever is earlier. You're entitled to a partial refund of the premium provided that you haven't made a claim on the policy.

Your insurance policy will be subject to JPJ approval after payment, which may take up to 7 days. Once approved by JPJ, your policy will be considered valid. If the JPJ approval status is unsuccessful, RHB Insurance will process a manual refund of your payment.