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Renew in minutes.
Zurich motor insurance — third party, TPFT, or comprehensive. Cover note issued within 30 minutes of receiving payment. A real agent answers your WhatsApp.
Three levels of protection
All plans include roadside assistance. Upgrade any plan with our add-ons below.
Comprehensive
Full protection — your car, other people, and almost every scenario on Malaysian roads.
Third Party Fire & Theft
Third party cover plus protection if your vehicle is stolen or damaged by fire.
Third Party
The legal minimum. Covers damage or injury you cause to other people and their property.
Enhance your cover
Available on comprehensive plans. Ask your agent which add-ons make sense for your vehicle and driving habits.
Windscreen Cover
Repair or replace your windscreen without affecting your NCD. Covers side and rear glass too.
Special Perils
Extends cover to include flood, storm, landslide and other acts of nature. Essential in flood-prone areas.
Legal Liability of Passengers
Covers claims made by your passengers against you in the event of an accident caused by your negligence.
All Drivers Cover
Removes the named-driver restriction. Any licensed driver of your vehicle is covered.
Betterment Waiver
Waives the betterment charge when new parts replace old parts in a claim. You pay less out of pocket.
Waiver of Compulsory Excess
Waives the mandatory excess you would otherwise pay when making an own-damage claim.
What each plan covers
| Coverage | Comprehensive | TPFT | Third Party |
|---|---|---|---|
| Third party bodily injury | ✓ | ✓ | ✓ |
| Third party property damage | ✓ | ✓ | ✓ |
| Legal liability to passengers | ✓ | ✓ | ✓ |
| Fire damage to own vehicle | ✓ | ✓ | — |
| Theft of own vehicle | ✓ | ✓ | — |
| Own vehicle accident damage | ✓ | — | — |
| Windscreen add-on available | ✓ | — | — |
| Special perils (flood) add-on | ✓ | — | — |
| Roadside assistance (24h) | ✓ | ✓ | ✓ |
| NCD discount | ✓ | ✓ | ✓ |
Four steps from quote to cover note
Send your details
Vehicle plate, IC last 4 digits, and your preferred cover type via WhatsApp or our quote form.
Receive your quote
We prepare a full Zurich premium breakdown and send it to you same day.
Confirm and pay
Approve the premium. Pay via FPX or online transfer. We submit your policy to Zurich.
Get your cover note
Your Zurich cover note arrives on WhatsApp or email. Print or show digitally at JPJ.
Common questions about motor insurance
What is the difference between Third Party, TPFT and Comprehensive motor insurance in Malaysia?
Third Party covers damage or injury you cause to other people only — it is the legal minimum in Malaysia. TPFT (Third Party Fire & Theft) adds protection if your own vehicle is stolen or damaged by fire. Comprehensive covers all of the above plus damage to your own vehicle from accidents, making it the most complete cover available.
How long does it take to get a motor insurance cover note in Malaysia?
With WeShield by Seri Mestika, your Zurich motor insurance cover note is issued within 30 minutes of receiving payment on business days. You can show the digital cover note at JPJ immediately — no need to wait for a physical copy.
What is NCD (No Claim Discount) in Malaysia and how does it work?
NCD is a discount on your motor insurance premium rewarded for each claim-free year. In Malaysia, NCD starts at 25% after 1 year and increases to a maximum of 55% after 5 or more claim-free years. Making a claim resets your NCD. For minor damage, it is often worth paying out of pocket to protect your NCD.
What add-ons are available for comprehensive motor insurance in Malaysia?
Popular add-ons include Windscreen Cover, Special Perils (flood, storm, landslide — essential in flood-prone areas), All Drivers Cover, Betterment Waiver, and Waiver of Compulsory Excess.
How do I renew my motor insurance in Malaysia?
Send your vehicle plate number, IC last 4 digits, and preferred cover type via WhatsApp to +60122737277. Receive a full Zurich premium breakdown the same day, confirm and pay via FPX or online transfer, then receive your Zurich cover note within 30 minutes of payment.
Ready to renew?
60 seconds. Three fields. Same-day quote on WhatsApp.
Questions about your motor policy?
WhatsApp us — a real agent responds within the hour on business days.