Independent Comparison — Updated 2026
Best Motorcycle Insurance Malaysia 2026
Side-by-side comparison of Etiqa, Allianz, Zurich, Takaful IKHLAS, Tune Protect, Kurnia & Generali
Etiqa from RM155/yr · Allianz claims in 3–5 days · Free road tax on Shopee
Key Facts: Motorcycle Insurance Malaysia 2026
- • Cheapest comprehensive insurer: Etiqa — est. RM155–220/yr for 125cc (no NCD)
- • Fastest claim settlement: Allianz — avg 3–5 working days, 2,000+ panel workshops
- • Only halal (takaful) option: Takaful IKHLAS — with annual surplus sharing
- • Genuine OEM parts guarantee: Zurich Z-Rider only
- • Maximum NCD discount: 55% after 5+ years no-claim — saves RM110 on RM200 premium
- • Cheapest buying channel: Shopee (free road tax + cashback) or Bjak.my (compare 16+ insurers)
- • Legal minimum: Third party only — RM65–90/yr for 125cc. Does NOT cover your own bike.
Quick Answer: Best For Each Need (125cc, Comprehensive)
| Best For | Insurer | Est. Premium/yr |
|---|---|---|
| Cheapest Premium | Etiqa | ~RM155/yr |
| Fastest Claims | Allianz | ~RM175/yr |
| Best Takaful (Halal) | Takaful IKHLAS | ~RM165/yr |
| Best Value | Zurich Z-Rider | ~RM170/yr |
| Most Digital | Tune Protect | ~RM160/yr |
*Estimates: 125cc comprehensive, no NCD, market value ~RM8,000. Get exact quotes at Bjak.my.
Full Comparison: All 7 Insurers Side by Side
Comprehensive comparison matrix — 125cc, comprehensive cover. Last updated 2026.
| Insurer | Est. Premium (125cc, no NCD) | Claim Speed | Panel Workshops | Buy on Shopee | Halal Takaful | Genuine OEM Parts | Roadside Assist | Best For |
|---|---|---|---|---|---|---|---|---|
1Etiqa | RM155–220 | 5–7 days | 800+ | — | — | — | — | Budget riders |
2Allianz | RM175–245 | 3–5 days | 2,000+ | ✓ | — | — | ✓ | Frequent riders |
3Takaful IKHLAS | RM165–230 | 5–7 days | 600+ | ✓ | ✓ | — | — | Muslim riders |
4Zurich Z-Rider | RM170–235 | 5–7 days | 700+ | ✓ | — | ✓ | ✓ | New bike owners |
5Tune Protect | RM160–225 | 5–8 days | 500+ | ✓ | — | — | — | Digital users |
6Kurnia | RM165–230 | 7–10 days | 1,000+ | — | — | — | — | Rural / agent buyers |
7Generali | RM175–300+ | 5–8 days | 500+ | — | — | — | — | Big bikes 250cc+ |
*Premium estimates — comprehensive cover, 125cc, no NCD, market value ~RM8,000. Claim speed = industry estimates. Roadside assist: Allianz and Zurich Z-Rider include; others available as add-on. Shopee availability as of 2026.
Get exact quotes for your bike at Bjak.my →Motorcycle Insurance Premiums by Engine CC
Annual premium estimates — new bike, no NCD. Comprehensive = your bike + third party. Third party = others only.
| Engine CC | Third Party Only | Comprehensive |
|---|---|---|
| ≤110cc (Kapcai / old scooter) | ~RM55–75 | ~RM130–200 |
| 125–150cc (Standard scooter/kapcai) | ~RM65–90 | ~RM155–290 |
| 151–250cc (Sport / touring) | ~RM80–120 | ~RM250–500 |
| 251–400cc (Mid-range big bike) | ~RM100–150 | ~RM450–750 |
| 400cc+ (Big bike / superbike) | ~RM140–300+ | ~RM700–1,500+ |
*Estimates only. Actual premium varies by insurer, rider age, NCD, and bike market value. Compare exact quotes at Bjak.my.
How to Choose the Right Motorcycle Insurance
💰 Is your bike worth more than RM5,000?
If yes → choose Comprehensive. Third party leaves you paying full repair or replacement cost out-of-pocket after accidents or theft.
🕌 Do you need it to be Shariah-compliant?
If yes → choose Takaful IKHLAS. Available on Shopee with free road tax delivery.
🏍️ Is your bike brand new (under 2 years old)?
If yes → consider Zurich Z-Rider (genuine OEM parts guarantee) to protect your investment from day one.
🛣️ Do you ride on highways daily?
If yes → choose Allianz (fastest claims, free towing 150km, 2,000+ workshops).
💳 Is your budget the top priority?
If yes → compare on Bjak.my with your NCD. Etiqa is typically cheapest, but Tune Protect sometimes beats it depending on your bike.
🌊 Do you live in a flood-prone area?
If yes → add Flood & Special Perils add-on (RM20–50/yr). Comprehensive base policy does NOT cover flood by default.
Third Party vs Comprehensive — Full Coverage Comparison
Third party is the legal minimum in Malaysia. Comprehensive adds protection for your own motorcycle.
| What's Covered | Third Party | Comprehensive |
|---|---|---|
| Damage to OTHERS' vehicle | ✓ | ✓ |
| Injury / death to third party | ✓ | ✓ |
| Your bike — accident damage | ✗ | ✓ |
| Your bike — theft | ✗ | ✓ |
| Flood / fire damage | ✗ | + Add-on |
| Windscreen replacement | ✗ | + Add-on |
| Personal accident cover | ✗ | + Add-on |
| NCD protector | ✗ | + Add-on |
| Est. annual cost (125cc) | RM65–90 | RM155–290 |
Motorcycle Insurance Add-ons Worth Buying
Add-ons are optional extras added to your comprehensive policy. These are the most valuable:
Flood & Special Perils
Covers damage from flood, storms, and natural disasters. Essential if you live in flood-prone areas (Klang Valley, Johor, Kelantan).
Windscreen
Covers windscreen replacement (scooters with visors) or fairing/headlamp covers. Replaces at no excess charge.
NCD Protector
Protects your NCD from dropping after ONE claim. Worth it if you have 38.33% NCD or above — saves hundreds per year.
Personal Accident
Covers medical expenses, hospitalisation, and compensation for death or permanent disability from motorcycle accidents.
Roadside Assistance
Towing, battery jump-start, flat tyre assistance 24/7. Note: Zurich Z-Rider includes this free; others charge extra.
NCD (No-Claim Discount) — How Much Can You Save?
NCD rewards safe riders with discounts on renewal. It is tied to your IC number — transfers automatically when you change insurer or buy a new bike.
| No-Claim History | NCD % | Saving | You Pay |
|---|---|---|---|
| First year (new policy) | 0% | — | RM200 |
| 1 year no claim | 25% | RM50 | RM150 |
| 2 years no claim | 30% | RM60 | RM140 |
| 3 years no claim | 38.33% | RM77 | RM123 |
| 4 years no claim | 45% | RM90 | RM110 |
| 5+ years no claim | 55% | RM110 | RM90 |
*Example based on RM200 base premium. NCD resets to 0% after each claim. Add NCD Protector (RM30–60/yr) to keep your discount after one claim.
In-Depth Review: All 7 Insurers
Detailed breakdown of each insurer's strengths, key features, and who it suits best.
Etiqa
Cheapest ComprehensiveMalaysia's lowest-cost comprehensive motorcycle insurer. Digital-first with instant e-policy on Shopee or Etiqa app.
- ✓Cheapest comprehensive premium — est. 10–15% below market average
- ✓Instant e-policy via Shopee or Etiqa app in under 5 minutes
- ✓24-hour claims hotline with English and BM support
- ✓NCD from other insurers accepted automatically
Allianz
Fastest ClaimsTrusted German brand. Malaysia's fastest motorcycle claim settlement — avg 3–5 working days — with 2,000+ panel workshops nationwide.
- ✓Fastest claim settlement in Malaysia — avg 3–5 working days
- ✓Largest panel workshop network: 2,000+ nationwide
- ✓Free towing up to 150km included
- ✓Comprehensive NCD protection rider available
Takaful IKHLAS
Best Takaful (Halal)Malaysia's top Shariah-compliant motor takaful with annual surplus sharing — unavailable from conventional insurers.
- ✓Shariah-compliant (halal) — fully Islamic financial product
- ✓Surplus sharing at year-end if takaful pool has leftover funds
- ✓Competitive takaful premium comparable to conventional insurers
- ✓Available on Shopee with FREE road tax delivery + cashback
Zurich Z-Rider
Best ValueGenuine OEM parts guarantee and roadside assistance included as standard — exceptional value for newer bikes under 5 years old.
- ✓Genuine OEM parts guarantee — not reconditioned or aftermarket parts
- ✓Roadside assistance included as standard (not an add-on)
- ✓24-hour emergency support hotline
- ✓Available on Shopee with FREE road tax delivery
Tune Protect
Most DigitalBuy and renew in under 3 minutes on Shopee or Tune Protect website. Fully paperless with SPayLater support.
- ✓100% digital purchase and renewal — zero paperwork
- ✓Instant e-polisi delivered by email within minutes
- ✓SPayLater installments available on Shopee (0% interest)
- ✓Competitive pricing vs traditional insurers
Kurnia
Widest Agent NetworkMalaysia's largest general insurer by market share. Unmatched physical agent network — ideal for traditional buyers in any state.
- ✓Largest agent network in Malaysia — accessible in every state
- ✓Lowest third-party only premium among major insurers
- ✓1,000+ panel workshops nationwide
- ✓Established brand trusted since the 1970s
Generali
Best for Big BikesCompetitive rates for higher-CC motorcycles. Strong coverage for sport bikes and big bikes 250cc and above.
- ✓Competitive premiums for high-CC bikes (250cc and above)
- ✓Strong claims history and global reinsurance backing
- ✓Coverage for modified and custom bikes available
- ✓Good for premium and imported motorcycles
*Est. premiums: comprehensive, 125–150cc, no NCD, market value ~RM8,000. Vary by insurer pricing model. Always compare at Bjak.my.
Buy Motorcycle Insurance on Shopee — Free Road Tax
Shopee is the only platform that combines motor insurance + FREE road tax delivery in one checkout. Available insurers: Zurich Z-Rider, Allianz, Takaful IKHLAS.
FREE Road Tax Delivery
Road tax mailed to your address — no JPJ queue or post office trip
SPayLater Installments
Split payment over 3–12 months — useful if renewing during tight months
Shopee Cashback
Additional Shopee coins / cashback on insurance purchases
Compare All 16+ Insurers in 2 Minutes
Bjak.my is Malaysia's largest motor insurance comparison platform. Enter your bike details once — get quotes from Etiqa, Allianz, Zurich, Takaful Malaysia, Tune Protect, Kurnia, Generali and 9+ more. Instant e-policy on purchase.
Frequently Asked Questions
What is the best motorcycle insurance in Malaysia?
The best motorcycle insurance in Malaysia in 2026 depends on your priority. For cheapest premium: Etiqa (est. RM155–220/yr for 125cc). For fastest claims: Allianz (avg 3–5 working days, 2,000+ panel workshops). For Shariah-compliant (halal): Takaful IKHLAS with surplus sharing. For genuine OEM parts: Zurich Z-Rider. For fully digital purchase: Tune Protect. Compare all 16+ insurers at Bjak.my for your exact bike and NCD.
Which motorcycle insurance is cheapest in Malaysia?
Etiqa is consistently the cheapest comprehensive motorcycle insurance in Malaysia — approximately 10–15% below market average, estimated RM155–220/yr for a 125cc bike with no NCD. For third-party only, Kurnia and Tune Protect are among the most affordable. The cheapest buying channel is Shopee (additional cashback + free road tax) or compare exact quotes at Bjak.my.
What is the difference between third party and comprehensive motorcycle insurance?
Third party only covers damage you cause to OTHERS — their vehicle, injuries, or property. Your own bike is NOT covered for accidents or theft. Cost: approximately RM65–90/yr for a 125cc bike. Comprehensive covers third-party liability PLUS your own bike from accidents and theft, with optional add-ons for flood, fire, windscreen replacement, and personal accident. Cost: RM155–290/yr for a 125cc bike. If your bike is worth over RM5,000, comprehensive is strongly recommended.
How much is motorcycle insurance for a 150cc bike in Malaysia?
For a 150cc motorcycle in Malaysia (est. market value RM8,000, no NCD): Third party is approximately RM65–90 per year. Comprehensive ranges RM155–290 per year. With 5+ years no-claim history (55% NCD), comprehensive drops to approximately RM70–130 per year. Etiqa is the cheapest insurer for 150cc comprehensive. Get exact quotes at Bjak.my.
What is NCD in motorcycle insurance Malaysia?
NCD (No-Claim Discount) is a reward for not making insurance claims. Discounts: 1 year without claim = 25% off. 2 years = 30% off. 3 years = 38.33% off. 4 years = 45% off. 5+ years = 55% off. With 55% NCD, a RM200 base premium drops to RM90 — saving RM110/yr. NCD is personal (tied to your IC number, not the bike) and transfers automatically when you change insurer or buy a new motorcycle.
Can I buy motorcycle insurance online in Malaysia?
Yes. Two best options: (1) Shopee — buy Zurich Z-Rider, Allianz, or Takaful IKHLAS motorcycle insurance with FREE road tax delivery + SPayLater installments + cashback; (2) Bjak.my — compare 16+ insurers simultaneously, instant e-policy in under 5 minutes. Both methods issue instant e-policy accepted by JPJ for road tax renewal. No physical document needed.
Etiqa vs Allianz motorcycle insurance Malaysia — which is better?
Etiqa is approximately 10–15% cheaper (est. RM155–220/yr vs Allianz RM175–245/yr for 125cc) and suits budget-conscious riders. Allianz has faster claim settlement (avg 3–5 working days vs industry avg 7–14 days), 2,000+ panel workshops, and free towing up to 150km. Choose Etiqa to save on premium; choose Allianz if you ride frequently and need fast, hassle-free repairs.
Is Takaful motor insurance available to buy online?
Yes. Takaful IKHLAS motorcycle takaful is available on Shopee (with FREE road tax delivery + cashback) and Bjak.my. It is Shariah-compliant and halal, with a surplus sharing benefit: if the takaful pool has leftover funds at year-end, participants receive a proportional share. Premiums are comparable to conventional insurers at est. RM165–230/yr for 125cc.
How do I claim motorcycle insurance in Malaysia?
Steps: 1) Photograph all damage immediately. 2) Lodge a police report within 24 hours if injuries are involved. 3) Call your insurer's 24-hour claims hotline. 4) Take bike to a panel workshop — repairs settled directly between workshop and insurer. 5) Submit claim form and photos within 7 days. For theft: lodge police report immediately, notify insurer within 24 hours. Allianz has Malaysia's fastest motorcycle claim settlement at 3–5 working days average.
Does Shopee sell motorcycle insurance in Malaysia?
Yes. Shopee Malaysia sells Zurich Z-Rider, Allianz, and Takaful IKHLAS motorcycle insurance via ShopeePay with exclusive benefits: FREE road tax delivery voucher, SPayLater installment payment (0% interest), and Shopee cashback. E-policy issued instantly — accepted by JPJ for road tax renewal. No physical document required.
What motorcycle insurance add-ons are worth buying?
The most valuable add-ons in Malaysia: (1) Flood and special perils — essential if you live in flood-prone areas, costs RM20–50/yr; (2) Windscreen — cheap at RM15–30/yr, saves you RM200–500 for a replacement; (3) Personal accident — covers medical and hospitalisation from riding accidents; (4) NCD protector — protects your 55% NCD from dropping after one claim. All available when buying comprehensive motorcycle insurance.
