Comprehensive Private Car Insurance
Protection for the journeys you take every day
From a chipped windscreen to a burst tyre or sudden flash flood, we’ve got you covered.
These things happen more often than we expect.
Private Car Insurance helps cover the financial cost when the unexpected happens,
so you can get back on the road with confidence.
Why many drivers choose Etiqa
Pay in monthly instalment at 0%
Get protected now and pay later with your Maybank Cards in up to 6-12 monthly instalments, from RM500 per month.
Apply now24/7 assistance if you need help on the road
Contact the Etiqa Auto Assist Care team via the Etiqa+ app and help will be on the way—anytime, 24/7. Our free towing service will take your car to a workshop of your choice, up to 200km from the incident.
Request towing nowEtiqa Cashback by Driving Less
Drive less and save more, get up to 30% cash back on your premium for low mileage.
Find out moreFlexible protection
Choose additional protection only when it makes sense for your driving needs.
Find out more about our add-ons10% online renewal discount
Renew online and receive an extra 10% savings, plus your safe driving discount when you haven't made a claim.
Apply nowWhat your Private Car Insurance covers
Damage to your car
We cover repair costs if your car is damaged in a road accident or fire.
Theft
If your car is stolen, we cover replacement costs according to your policy.
Damage or injury to others
We take care of repair costs for other people's property and injuries caused by your car.
Free towing service
If your car can't be driven after an accident, we'll tow it to the nearest workshop for repair.
Claims support
Our staff will guide you through the claims and repair process, making sure both you and your car are looked after.
What this plan does not cover
It is important to know what your insurance does not cover.
Normal wear and tear
Costs for worn or rusty parts due to an older car, and routine maintenance checks.
Breakdowns not caused by accidents
Repairs for breakdowns caused by mechanical or electrical faults.
Using the car for paid services
E-hailing, delivery or hire-and-reward use unless additional cover is added.
Personal belongings inside the car
Phones, laptops, bags and other personal items.
Injury to the driver & passengers
Extra protection for passengers is available through an optional add-on.
Tyre-only damage
Damage affecting only the tyre.
Undeclared accessories
Accessories not declared to Etiqa.
Driving outside approved countries
Protection applies in Malaysia, Singapore and Brunei only, unless extended.
Optional add-ons
You can extend your protection with additional coverage.
Extra protection for unfortunate events
- Floods and extreme weather
We cover damage caused by storms, heavy rain, or flash floods.
- Damage from riots or protests
We help cover repair costs if your car is damaged during strikes.
Note: All of the above is subject to terms and conditions. For full details, please refer to your Policy Contract.
Help when you need it the most
Our team is ready to help and guide you on what to do next.
Roadside assistance, whenever you need it:
Contact your loved ones immediately
If you're in an accident, we can help notify your family right away, so you're never alone in a crisis.
Urgent medical support when you need it
If you suddenly fall ill or get injured, our team can guide you through the next steps and help arrange medical care quickly.
On-site windscreen repair
If your windscreen cracks while you're on the road, pull over safely and report it on the Etiqa+ app. We'll send a technician to repair it on the spot.
Tip: Add windscreen coverage to avoid affecting your No Claim Discount (NCD).
Free Car Replacement
We offer a free replacement car for up to 14 days while your car is being repaired. This is available in Klang Valley only by self-pick up.
Which add-ons might suit you?
Different drivers have different needs.
The Urban Driver
Often drives in busy cities with heavy traffic.
Recommended add-ons:
- Windscreen Coverage
- Cash Assistance
The Family Driver
Regularly drives with children or family members.
Recommended add-ons:
- Personal Accident Coverage (OTO 360)
- Child Car Seat Coverage
The New Car Owner
Recently bought a new or newer car.
Recommended add-ons:
- Windscreen Coverage
- New Coat of Paint
- Replacement Cost Coverage
The Car Care Enthusiast
Likes to keep their car in excellent condition.
Recommended add-ons:
- Brand New Spare Parts
- New Coat of Paint
- Replacement Cost Coverage
Drivers in Flood-prone Areas
Lives or frequently drives through areas with heavy rain or flooding.
Recommended add-ons:
- Flood & Extreme Weather Coverage
- Cash Assistance
When the unexpected happens
We're here to guide you, step by step, when things don't go as planned.
If your car breaks down or you're in an accident, we're here to help.
- Stay calm and pull over safely to the roadside.
- Open the Etiqa+ app and notify the Etiqa Auto Assist Care team for immediate help.
- We can arrange towing, fuel delivery, tyre assistance, or a battery jump start.
If your car is damaged by extreme weather or a flash flood:
- Stay safe and leave the car where it is.
- When it's safe, take photos or a short video of the damage for your claim later.
If you're involved in an accident
- Check if anyone is injured.
- Move your car to a safe location, if it's safe to do so.
- Take photos or videos of the damage and the accident scene.
- Save your dashcam footage, if available.
- Exchange details with the other driver, if applicable.
- Report the accident on the Etiqa+ app. Our team will arrange help right away.
How to submit a claim?
Submitting a claim is easy
Step 1
Gather key details
Take photos of the damage. Note the location, time, and details of the other party.
Step 2
Make a police report (if required)
Usually required for accidents, theft or serious damage. This should be done within 24 hours.
Step 3
Contact us
Contact us through the Etiqa+ app. We will guide you on the next steps and documents needed.
Step 4
Drive your car to any of our panel workshops
If the damage is too serious to drive, we'll arrange a free towing service.
Step 5
We'll support you until it's resolved
Once you've submitted your claim, you can check how your repair is going anytime through the Etiqa+ app.
When can I sign up for my car insurance?
You can buy car protection up to 2 months before your policy expires , or right before you start driving your car on the road.
FAQs about Private Car Insurance
Download Documents
Free Courtesy Car After an Accident Claim
Flyer Private Car Insurance (Add-on Cover)
Private Car Insurance Policy Contract
Product Disclosure Sheet Private Car Insurance
Product Disclosure Sheet Third Party Fire and Theft
Frequent Ask Questions - Comprehensive Private Car
Frequent Ask Questions - Etiqa Cashback by Driving Less
Policy Wording OTO 360
Terms and Conditions for the 'Raya Extra Best' Campaign
We're here whenever you need us
If you need help, we're here 24/7, anytime.
