Underwritten by AXA AFFIN General Insurance Berhad

Citibank SmartDrive

Skip the queue and buy or renew your car insurance policy online now! Enjoy great reward points or cash rebates when you pay with your Citibank credit card.

    • Up To 55% No-Claim Discount
    • Excess from just RM400
    • 24/7 Roadside Assistance

How To Claim

Who do I call to make a claim or state an emergency?

Claim Assistance Hotline
 +603-2170 8282
Citibank Hotline
 +603-2383 0000


What makes this insurance policy stand out?

Cover Type
Additional Driver Charges
starting from only RM per person
Warranty On Claims
get compensation for faulty repair or replacement parts
0% Repair Cost
for vehicles aged 5 years and below


What can I claim from this insurance policy?

CoveragePrivate CarsCommercial CarsMotorcycles
Bodily Injury 3rd party only
Did you cause an accident where somebody got hurt?
CoveredNot coveredNot covered
Loss or Damage of Property 3rd party included
Negligent on the road? Give compensation to other pedestrians or motorists
CoveredNot coveredNot covered
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
CoveredNot coveredNot covered
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Windshield cracked, scratched, or simply broken? Claim without losing NCD
CoveredNot coveredNot covered
Car Accessories 
Claim for a stolen stereo or custom rims without losing your NCD
unlimited coverageNot coveredNot covered
Special Perils Cover 
Driving in dangerous conditions? You're covered for floods, typhoons, and landslides
CoveredNot coveredNot covered
Strike, Riot, and Civil Commotion 
There's a riot going on! You're covered for damage
CoveredNot coveredNot covered
Legal Liability of Passengers 
Cover for bodily injury caused by your passengers
CoveredNot coveredNot covered
Legal Liability to Passengers 
Protection against legal action brought against you by your passengers
CoveredNot coveredNot covered

Frequently Asked Questions about Citibank SmartDrive

Things you might want to know

What is the Citibank SmartDrive?

The Citibank SmartDrive is a motor insurance policy concocted in partnership with AXA Affin insurance, to provide reliable and comprehensive coverage to all motor vehicle users. The policy is available online and you can avoid the usual hassle of having to make payments when you use a credit card with your application.

What does the plan cover?

SmartDrive is a comprehensive coverage that will of course cover any loss or damage to your vehicle in the event of an accident, theft, or accidental fire.

In terms of the third-party liability, you will have coverage for;

  • Bodily injury or death
  • Damage to property

Are there any optional benefits for this policy?

There are in fact several optional benefits that you can take up to boost the protection for your car with some additional premium. Some of the benefits include covers for;

  • Windscreen breakage
  • Legal liability to passengers
  • Legal liability of passengers
  • Natural disasters
  • Strike, riot or civil commotions

Along with these options you can also opt for extensions for coverage, especially if there are multiple drivers, additional vehicle accessories, and more.

What do I need to apply for SmartDrive online?

If you are planning to apply right here online, you will need to have a few documents with you or at least have some details on hand. Besides your personal details, you will need to have your Vehicle Registration number, Vehicle Registration Card Number, Engine Number and Chassis Number.

How about my premiums?

There are a few factors that will go into the calculation for your premiums, including the type of vehicle you drive and how old it is. Other risk assessment factors will include;

  • Value of the vehicle
  • Engine capacity
  • Loading
  • Sum Insured
  • Age of Driver
  • Gender
  • Occupation and Education
  • Place of Residence
  • Claim history

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