Allianz Car Insurance Renewal Malaysia 2026 — Compare Before You Renew
Allianz is Malaysia's most popular insurer — but not always the cheapest. Before auto-renewing, take 3 minutes to compare all 16 BNM-licensed insurers. Your NCD transfers if you switch.
Compare Allianz vs 15 Other Insurers →Free · 3 minutes · Your NCD transfers if you switch
Don't auto-renew without comparing
Allianz premiums can be 15–25% higher than Etiqa or AXA for the same car. On a RM1,500 premium, that's RM225–375 extra per year. Your NCD is yours — it transfers if you switch.
How to Renew Car Insurance in Malaysia (2026)
Compare first (takes 3 min)
Go to Bjak.my — enter your plate number and IC. See Allianz's quote vs 15 other insurers side-by-side. You may be surprised.
Decide: stay or switch
If Allianz is still cheapest (or you value Road Rangers), renew with them. If another insurer is 15%+ cheaper, switch — your NCD transfers.
Choose coverage + add-ons
Comprehensive or third-party. Consider: windscreen, flood (Special Perils), excess waiver, NCD protection.
Pay online
FPX bank transfer or credit/debit card. No agent, no office visit.
Get e-policy instantly
Your policy PDF is emailed immediately. Use it to renew road tax on MyEG or Pos Malaysia the same day.
Allianz vs Cheapest Insurer — Price Comparison
Comprehensive coverage, Peninsular Malaysia. Estimates — actual quotes vary.
| Car | Allianz | Cheapest (usually Etiqa) | NCD |
|---|---|---|---|
| Perodua Myvi 1.5 | RM850–1,000 | RM650–800 (Etiqa) | 55% NCD |
| Honda City 1.5 | RM1,100–1,350 | RM850–1,050 (Etiqa) | 55% NCD |
| Toyota Vios 1.5 | RM1,050–1,300 | RM820–1,020 (Etiqa) | 55% NCD |
| Proton X50 1.5T | RM1,600–2,000 | RM1,200–1,600 (Etiqa) | 55% NCD |
Compare all 16 insurers for your exact car on Bjak — takes 3 minutes.
Should You Stay with Allianz?
✓ Reasons to stay with Allianz
Road Rangers 24/7
1-hour response time, free towing up to 200km — best in class
Genuine parts standard
Panel workshops use genuine manufacturer parts by default
EV Shield add-on
Specialised EV coverage including battery and charging equipment
Wide panel workshop network
1,800+ authorised workshops across Malaysia
✗ Reasons to consider switching
Not the cheapest
Etiqa or AXA typically quote 15–25% lower for the same car
No instant online claims
Claims require workshop inspection — slower than Etiqa's digital flow
Your NCD always transfers
Switching insurers does not affect your NCD — it follows you to any BNM-licensed insurer.
Compare Allianz vs All 16 Insurers
Takes 3 minutes. Free. See if Allianz is still your best option — or save by switching.
Compare on Bjak — Free →16 BNM-licensed insurers · NCD verified · Instant e-policy
Frequently Asked Questions
How do I renew my Allianz car insurance in Malaysia?
You can renew Allianz car insurance online via Bjak.my (compare with 15 other insurers simultaneously) or directly at allianz.com.my. Enter your car plate number and IC number. The system auto-retrieves your car details and NCD. Pay online via FPX or card and receive your e-policy instantly.
Should I renew with Allianz again or switch insurers?
Compare first before renewing. Allianz is known for excellent roadside assistance (Road Rangers, 1-hour response) but is not always the cheapest. Etiqa or AXA may offer 15–25% lower premiums for the same car with the same NCD. Use Bjak to compare all 16 insurers in under 3 minutes — free.
How early can I renew Allianz car insurance?
You can renew up to 2 months before your policy expiry date. Early renewal is recommended to ensure continuous coverage and to have time to compare prices across insurers before committing.
Will I lose my NCD if I switch from Allianz to another insurer?
No. Your NCD belongs to you, not to Allianz. When you switch insurers, your NCD transfers to the new policy. You do not lose any NCD by switching — your new insurer will apply the same NCD rate.
What is Allianz Road Rangers and should I keep it when renewing?
Allianz Road Rangers is a 24/7 roadside assistance programme included with comprehensive Allianz policies — offering 1-hour response time and free towing up to 200km. If you value fast roadside assistance, this is a strong reason to stay with Allianz. If price is your priority, compare with Etiqa or AXA which are typically cheaper.