Underwritten by AmGeneral Insurance Berhad

Kurnia Third Party Motor Insurance

Think about your responsibility to other road users. Make sure they're fairly compensated for any injury or damage inflicted. Available for cars and motorcycles.

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

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How To Claim

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

Kurnia Hotline
Claim Assistance Hotline
Roadside Assistance & Emergency Hotline


What makes this insurance policy stand out?

Cover Type
Third Party
Reminder Services
get email and text notifications about policy renewal and bill due dates


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?
unlimited coverageNot coveredunlimited coverage
Loss or Damage of Property 
Negligent on the road? Give compensation to other pedestrians or motorists
CoveredNot coveredCovered
Legal Costs 
Lawyer fees when you're the defendant in court
up to RM2000Not coveredup to RM2000
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
unlimited coverageNot coveredunlimited coverage
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Legal Liability of Passengers 
Cover for bodily injury caused by your passengers
CoveredNot coveredCovered
Legal Liability to Passengers 
Protection against legal action brought against you by your passengers
CoveredNot coveredCovered

Frequently Asked Questions about Kurnia Third Party Motor Insurance

Things you might want to know

What is the Kurnia Third Party Motor Insurance all about?

If you want a cheaper motor insurance option, you can go for this third party car insurance from Kurnia. It will protect you for negligence on the road that have resulted in injury to other road users or damage to their property. As this is not a comprehensive motor insurance, damages or loss to you own prized vehicle will not be covered - if you're willing to fork out more each year for added peace of mind, go for the Kurnia Comprehenive Motor Insurance.

What type of vehicle can I insure with this motor insurance?

There are three types you can put down on your policy, which are private cars and vans, business cars carrying commercial goods with

  • Private vehicle e.g. private car, private van & four wheel drive (for private use)
  • Good-carrying vehicles e.g. commercial goods carrying vehicle with "A" and "C" permit, also petroleum, diesel and bitumen tankers, LPG long trailer & low loader with "A" and "C" permit.
  • Other type of vehicle including taxis, buses, motorcycles, tractor, mobile crane etc.

How is my insurance premium calculated?

Your premium is calculated according to the Motor Tariff prescribed by Persatuan Insurans Am Malaysia ( PIAM) based on the factors such as the size of your car's engine, how claims experience, the age of your vehicle, the total sum insured, and the number of insured drivers stated in your policy.

Can you explain to me what NCD is?

Also known as your No Claim Discount, it is the discount given to your upon your motor insurance renewal if you've not made any claims for the past 12 months. Of course, like anything else that's related to car insurance, the discount rate has been set out by PIAM. You can start enjoying NCD after your first year at 25% discount, and a maximum of 55% from the fifth year onwards.

Will I have NCD if this is the first time I purchase a vehicle?

If you are buying a vehicle for the first time, you will not have NCD on your motor policy for the first year on the road. If you have at least one claims free year, then, upon renewal of your motor insurance policy, you will be rewarded with a 25% NCD off your renewal premium.

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