What is the Zurich Z-Rider?
Zurich Z-Rider is a comprehensive motorcycle insurance plan designed specifically for riders in Malaysia. The policy keeps things simple by covering accidental collision or overturning damage to your own bike, alongside full protection against vehicle fire, theft, and third-party liabilities.
Whether you navigate busy city streets on a daily scooter or manage commercial delivery routes, choosing the right protection level helps ensure you do not get left handling expensive repair bills entirely on your own.
Which cover level should I get?
| Cover type | What it covers |
| Comprehensive | Accidental damage, fire, theft, and third-party liability for injury, death, and property damage |
| Third Party, Fire & Theft | Fire damage and theft, plus third-party liability, but not accidental damage to your own bike |
| Third Party | Third-party liability only: injury, death, and property damage you cause to others |
Third-party cover is the legal minimum for any motorcycle on Malaysian roads. That said, it only protects other people — not your bike. If your motorcycle gets damaged in an accident, you are paying for repairs yourself unless you have comprehensive cover. Whether the upgrade is worth it comes down to your bike's value and your own risk appetite.
What add-ons are available?
| Add-on | Cost |
| Legal liability to pillion | RM15 |
| Special perils (flood and landslide) | RM10 |
| Strike, riot, and civil commotion | 0.3% of vehicle sum insured |
| Personal accident, sum insured RM4,000 to RM20,000 | RM6 to RM30 |
| Waiver of betterment | RM5 |
| Waiver of compulsory excess | RM4 |
| Extension of cover to Thailand | 20% of premium after NCD |
Two add-ons in particular are easy to overlook. The pillion liability add-on matters if you carry passengers regularly, since the base policy does not cover them at all. And given how frequently parts of Malaysia flood, the RM10 special perils add-on is genuinely worth considering.
What is not covered?
The base policy will not pay out for:
- Riding under the influence of drugs or alcohol, or any other illegal act
- Your own death or bodily injury from a motor incident (add personal accident cover for this)
- Injury claims from your pillion passenger (add legal liability to pillion cover)
- Flood, landslide, or storm damage (add special perils cover)
- Riding outside Malaysia, Singapore, and Brunei (add the Thailand extension for cross-border trips)
How is my premium calculated?
Your base premium depends on your motorcycle's make, model, engine size, age, and market value, along with your own age and NCD entitlement. On top of that, every policy carries a fixed 8% Service Tax and RM10 Stamp Duty.
Cover only starts once Zurich receives your payment, so hold on to your receipt as proof.
How do I make a claim?
Notify Zurich within 7 days of the incident through any of these channels:
- Call 24-hour Roadside Assistance: 1-300-88-5566
- WhatsApp your location to: 03-2109 6845
- Submit an e-Request at zurich.carfix.my
For own-damage claims, your motorcycle has to go to an authorised Zurich panel workshop. Repairs done elsewhere will not be covered.
Can I cancel early?
Yes. Send a written notice to Zurich and return your original Certificate of Insurance. If you have lost it, a Statutory Declaration will do.
Your refund is calculated as follows:
- Pro-rata if you have been continuously renewing with Zurich, or are replacing this policy with a new Zurich policy within 12 months
- Short-period scale in all other cases
No refund if a claim has been made, or if you paid the minimum premium.
