Comprehensive Motorcycle Insurance
Ride with confidence, wherever the road takes you
Whether you ride every day, on weekends, or for the journeys that matter most, your motorcycle deserves protection you can count on.Etiqa Comprehensive Motorcycle Insurance protects your motorcycle against accidents, fire and theft, while covering your legal liability to others. Customise your coverage with optional add-ons, so your coverage fits the way you ride.
Why choose Etiqa
Pay in monthly instalments with 0% interest
Secure your coverage now and pay later with your Maybank Credit Cards. Eligible payments can be split into 6 or 12 monthly instalments at 0% interest. Valid for sign-ups of RM500 and above.
24/7 roadside assistance when you need help on the road
If you are involved in an accident or need roadside assistance, contact Etiqa for help and guidance. Use the Help button in the Etiqa+ app or call the relevant hotline for quick support.
Flexible protection for different riders
Every rider has different needs. With Etiqa, you can choose to enhance your coverage with add-on protection if it makes sense for you, your motorcycle, riding habits and lifestyle.
Explore MyRider for motorcycles 249cc and below, or MyRider Plus for motorcycles 250cc and above.
Explore nowWhat does Etiqa Motorcycle Insurance covers?
Loss or damage to your motorcycle
Your motorcycle is covered if it is lost or damaged due to:
Accidental collision or overturning
Fire, explosion or lightning
Burglary, housebreaking or theft
Malicious act(s)
Impact damage caused by falling objects, subject to policy conditions
Limited cover while your motorcycle is being transported by road, rail, inland waterway or ferry between Penang island and the mainland
Damage or injury to others
If an accident involving your motorcycle causes bodily injury, death, or property damage to a third party, the policy can cover the amount you or your authorised rider are legally liable to pay. Subject to policy terms.
The policy provides:
Unlimited liability for third-party bodily injury or death
Up to RM3 million for third-party property damage
Legal costs of up to RM2,000, if approved in writing by Etiqa and incurred in Malaysia, Singapore or Brunei
Authorised rider cover
The policy covers your authorised riders, as long as the rider:
Has a valid licence for the relevant motorcycle class
Has your permission to ride
Complies with the terms and conditions of the policy
Towing after covered damage
If your motorcycle cannot be ridden due to covered damage, the policy provides up to RM50 for reasonable towing costs to the nearest approved repairer or a safe place of storage while awaiting repair or disposal.
Claim Support
Our team will guide you through the claims process, from reporting the incident to understanding the next steps and required documents.
What this plan does not cover
Some situations are not covered under the basic Comprehensive Motorcycle Insurance plan, unless the relevant add-on or extension is included.
Personal injury and passenger claims
- Your own injury or death from a motorcycle accident
- Claims from your motorcycle passenger, unless the right add-on or endorsement is included
Natural disasters and loss of use
- Flood, storm, landslide or other natural disasters, unless the relevant extension is added
- Loss of use, such as transport costs while your motorcycle is being repaired
Breakdown, wear and motorcycle parts
- Mechanical, electrical or electronic breakdown
- Wear and tear, depreciation, rust or corrosion
- Tyre-only damage
- Theft of accessories or parts, unless the motorcycle is stolen at the same time
Riding and usage restrictions
- Riding without a valid licence
- Riding under the influence of alcohol or drugs
- Racing, rental or hire use
- Use outside Malaysia, Singapore and Brunei, unless the right extension is added
Optional Add-ons
You can extend your protection with additional coverage.
Enhance your protection based on your needs
Different riders have different needs. You can strengthen your motorcycle protection with optional add-ons.
MyRider & MyRider Plus
- MyRider is an optional add-on that gives you extra protection beyond your basic comprehensive motorcycle cover.
- For motorcycles 250cc and above, choose MyRider Plus for higher coverage, including unlimited towing and emergency assistance, higher medical expenses coverage and added accident protection.
| Benefits | MyRider | MyRider Plus |
|---|---|---|
| Suitable for | Motorcycles 249cc and below | Motorcycles 250cc and above |
| Best if you want | Essential extra help when your ride is disrupted | Higher protection and stronger support for bigger rides |
| Towing support | 24/7 unlimited towing and emergency assistance | 24/7 unlimited towing and emergency assistance |
| Accidental death benefit | RM8,000 | RM10,000 |
| Permanent disability benefit | RM8,000 | RM10,000 |
| Medical expenses | Up to RM500 | Up to RM2,000 |
| Compassionate cash | RM500 | RM500 |
| Accident inconvenience allowance for vehicle loss or damage | RM500 | RM500 |
| Flood inconvenience allowance | RM500 | RM500 |
| Amount | RM75 | RM150 |
Emergency Support
Our team is ready to help and guide you on what to do next.
Get help when you need it
If something happens on the road, our team is ready to guide you on what to do next.
Roadside assistance, anytime
You can get help by:
- Pressing the Help button in the Etiqa+ app, or
- Calling the Etiqa Auto Assist Hotline at 1-800-88-6491
Claims notification
If you are involved in an accident, notify Etiqa as soon as possible. You may also contact the Claim Assist line at 1300 88 1007 for claims guidance.
General enquiries
For questions about your motorcycle Insurance coverage, you may contact Etiqa Oneline at 1-300-13-8888 or email info@etiqa.com.my.
When the unexpected happens
We're here to guide you, step by step, when things don't go as planned.
If your motorcycle breaks down
- Stay calm and move to a safe location, if it is safe to do so.
- Contact Etiqa Auto Assist through the Etiqa+ app or hotline at 1-800-88-6491. Depending on your cover and situation, support may include towing, fuel delivery, tyre assistance or battery jump start.
- Do not continue riding your motorcycle if it is not safe, as this may cause further damage and affect your claim.
If your motorcycle is damaged by extreme weather or flash flood
- Your safety comes first, ensure your personal wellbeing.
- Do not attempt to move your motorcycle if the area is unsafe. When it is safe, take clear photos or a short video of the damage to support your claim later.
- Do note that flood, storm, landslide and other natural disasters are not covered under the basic policy unless you have signed up the relevant add-ons.
If you are involved in an accident
- Check if you or anyone else is injured.
- Move to a safe location, if it is safe to do so.
- Take photos or videos of the damage and accident scene.
- Get the details of the other party, if applicable.
- Do not admit fault, negotiate or settle any claim without Etiqa's consent.
- Make a police report within 24 hours, if required.
- Notify Etiqa as soon as possible.
- Send your motorcycle to an approved repairer, or another repairer that Etiqa has given permission to use.
- Our team will guide you on the next steps and documents needed.
How to submit a claim?
Submitting a claim is easy
Step 1
Gather key details
Take photos of the damage and accident scene. Note the location, time, date and details of the other party, if applicable.
Step 2
Make a police report
A police report is usually required for accidents, theft or serious damage. This should be done within 24 hours.
Step 3
Notify Etiqa
Notify us as soon as possible. If you are not physically disabled or hospitalised, notification should be made within 7 days. If you are physically disabled and hospitalised, notification should be made within 30 days or as soon as possible. You may notify us through the Etiqa+ app, in writing, or via the Claim Assist line at 1300 88 1007.
Step 4
Complete and submit your claim report
Complete the claim form and submit it with the required supporting documents, within 21 days from the date you notify Etiqa. If you receive any letter, writ, summons or claim from a third party, send it to Etiqa no later than 14 days from the date you receive it.
Step 5
Send your motorcycle to an approved repairer
Send your motorcycle to an approved repairer so Etiqa can inspect it before repairs begin. Do not authorise repairs or incur repair-related expenses without Etiqa's written consent, as this may affect your claim.
Step 6
Track and follow up
Once your claim has been submitted, Etiqa will guide you through the repair and settlement process.
Frequently Asked Questions
We're here whenever you need us
If you need help, we're here 24/7, anytime, anywhere you are.
24/7 Roadside Assistance
1800 - 88 - 6491Claims Careline
1 300-88-1007Download the Etiqa+ app
Download now