Best e-Hailing Insurance in Malaysia 2026

If you drive for Grab, AirAsia Ride, or inDrive, your standard car insurance policy does not cover you during trips. Whether you're on third-party, third-party fire and theft, or comprehensive, the moment you accept a ride request, that coverage is void. E-hailing insurance is a mandatory add-on that fills this gap, required under Malaysian law since July 2019. Use the comparison tool above to find a plan, check your quote, and apply online.

Does your car insurance cover e-hailing trips?

No. The moment you accept a ride request on Grab, AirAsia Ride, or inDrive, your car is legally reclassified as a public service vehicle (PSV). Standard private motor policies explicitly exclude PSV use, which means all three coverage tiers (third-party, third-party fire and theft, and comprehensive) are void during an active trip.

E-hailing insurance became mandatory in Malaysia in July 2019, under regulations set by Bank Negara Malaysia. Without the add-on, you are driving uninsured for every trip you accept, which means any accident claim can be denied. You are personally liable for damages to passengers or third parties.

The add-on attaches to your existing policy. Most insurers offer it on comprehensive plans; some also make it available on third-party and third-party fire and theft plans, though Grab specifically requires drivers to hold a comprehensive policy to register on the platform.

What does e-hailing insurance cover?

Coverage varies between insurers, but most e-hailing insurance add-ons in Malaysia include the following:

How much does e-hailing insurance cost in Malaysia?

The cost depends on your insurer and base policy tier. Most insurers do not publish a fixed add-on price; the premium is calculated as part of your overall policy quote, which means the only way to get an accurate figure is to run a quote with your preferred insurer.

The one confirmed annual pricing data point from a provider is Berjaya Sompo, whose e-hailing add-on starts from RM1,200 per year. When the regulation was first introduced in 2019, Grab Malaysia cited an industry average of RM400 to RM500 per year for annual add-ons. Rates have likely moved since, so treat that figure as a historical baseline rather than a current quote.

For part-time drivers, Grab Daily Insurance (GDI) is the more practical option: you pay only for days you go online, and the premium is deducted directly from your Grab driver wallet. Current GDI rates vary by insurer; check the rates available to you via the Grab driver app, as participating insurers and their rates do change. Tokio Marine, for example, exited the GDI programme for new policies from September 2025.

A single accident involving passenger injuries can run into tens of thousands of ringgit, and without the correct add-on, none of that is recoverable from your insurer.

Which car insurance plans in Malaysia offer e-hailing coverage?

Most car insurers in Malaysia offer an e-hailing add-on, but not all. The plans below are confirmed to have it available.

Do note that pricing is not shown in the comparison tool; e-hailing add-on premiums are calculated as part of your overall motor policy quote. To get a figure, run a quote with your chosen insurer or contact them directly.

Before you compare on price alone, three things in this table are worth understanding properly.

Free towing distance varies a lot. Most plans cap towing at RM200, which typically covers a short urban tow. If you break down far from the Klang Valley or do intercity trips regularly, that limit runs out fast. Kurnia auto365 Comprehensive Premier is the only plan here with unlimited towing as standard. For every other plan, check whether the insurer offers an unlimited towing add-on; MSIG does, at additional cost.

Claim payout type determines what you actually get on a total loss. Agreed Value pays out the sum insured you locked in at the start of the policy, regardless of depreciation. Market Value pays out whatever your car is worth at the time of the claim, and on a car that's a few years old, that figure can be meaningfully lower. Six of the eight plans here offer agreed value; Tokio Marine pays market value. If car age is a concern, agreed value is the safer pick.

PA cover for the driver is not included across the board. Your standard comprehensive policy does not cover your own injuries or death. Allianz and Zurich include RM50,000 PA cover as part of their e-hailing endorsement. For the other plans, check the specific add-on wording before committing, or take out a separate personal accident insurance policy.

Two other things worth noting: Berjaya Sompo's e-hailing add-on is only open to existing Berjaya Sompo policyholders, so if you're not already with them, you'd need to switch your base policy first. And if you only drive for e-hailing part-time, Grab Daily Insurance is likely cheaper than an annual add-on. Check current rates and participating insurers in the Grab driver app, as the list changes.

What affects your car insurance premium as an e-hailing driver?

Your base policy premium is calculated before the e-hailing add-on is applied. The main variables are age of driver, age of car, claims history, location, and vehicle type.

Driver age has the most direct loading: anyone under 26 or over 69 is treated as higher risk, and premiums reflect this regardless of actual driving record. Claims history is similarly direct: a single claim in the past year can meaningfully increase your renewal rate, which matters for e-hailing drivers who cover high mileage.

Car age works against older vehicles on two fronts: replacement parts cost more, and the car's market value is lower, which reduces what you'd receive on a total loss claim. Cars over 10 years old typically attract higher premiums, and insurers may only offer market value payout rather than agreed value.

Location affects your base rate; Peninsular Malaysia and East Malaysia are priced differently. If your car appears on the high-risk theft list (certain Proton and Perodua models have historically featured), expect a loading on top of that. High-performance and reconditioned vehicles are assessed individually before quoting.

Frequently Asked Questions (FAQs)

Is e-hailing insurance mandatory in Malaysia?

Yes. E-hailing insurance has been mandatory in Malaysia since July 2019, under regulations set by the Ministry of Transport. Any private car owner driving for Grab, AirAsia Ride, inDrive, or any other licensed e-hailing platform must purchase a valid e-hailing add-on on top of their standard motor policy. Operating without it is both a regulatory violation and grounds for claim rejection.

Can I claim for my own injuries if I'm involved in an accident while driving for Grab?

Under a standard comprehensive policy, the named driver is not covered for personal injury or death resulting from an accident. You would need to add this separately, either through an e-hailing add-on that specifically includes driver personal accident cover or through a standalone personal accident insurance plan. Your medical card will cover hospitalisation costs regardless of whether your motor policy includes PA cover.

Is third-party insurance enough for e-hailing drivers?

You can add an e-hailing add-on to a third-party plan, but third-party cover alone means your own car is not covered if you cause an accident. For e-hailing drivers who depend on their car for income, a damaged and uninsured vehicle means no income. Repair costs for even a minor collision can run into several thousand ringgit. Comprehensive cover is the more practical choice for active drivers.

What is the cheapest type of car insurance for e-hailing?

Third-party car insurance carries the lowest base premium, but only pays out for damage or injury to the other party; your own car is unprotected. If budget is the constraint, third-party fire and theft is a middle option: your car is covered for theft and fire damage, but not accident damage.

Can I get e-hailing insurance if my car is over 15 years old?

Fewer insurers are willing to cover older vehicles, and those that do charge higher premiums. Market value payout (rather than agreed value) is more common on older cars, which means the payout is based on depreciated market value at the time of the claim. It's still worth comparing quotes through the tool above; availability varies between insurers.

Do I need to tell my insurer I'm doing e-hailing?

Yes. Driving for a ride-hailing platform without declaring it is a material misrepresentation of your policy. If you make a claim and the insurer finds you were operating as an e-hailing driver without the correct add-on, the claim will be rejected in full. This applies regardless of whether the accident happened during a trip or not; insurers may consider your vehicle to be in e-hailing use whenever the app is active.