What is SPayLater and is there a fee?

SPayLater is Shopee's buy-now-pay-later service. You can split purchases into 2, 3, 6, or 12 monthly installments. There may be a small interest or processing fee depending on the installment plan — check the SPayLater terms at checkout before confirming.

Can I claim car insurance bought on Shopee directly with the insurer?

Yes — once you buy, you deal directly with the insurer (Allianz, Zurich, or Takaful Ikhlas) for claims. Shopee is just the purchase channel. Contact your insurer's claims hotline or use their app to file claims.

Does Shopee car insurance include road tax renewal?

No — road tax and car insurance are separate. After buying insurance on Shopee, you renew road tax separately via MyEG or Pos Malaysia online. Your e-policy from Shopee is accepted as proof of insurance for road tax renewal.

Is Shopee motorcycle insurance the same as car insurance?

Different product, same platform. Shopee sells motorcycle insurance separately at shopee.com.my/m/motorcycle-insurance — Zurich Z-Rider and Allianz plans. The process is the same and SPayLater installments are also available for bike insurance.

Car Insurance Guide

Shopee Car Insurance Malaysia: Is It Worth Buying? 2026

Shopee now sells car insurance from Allianz, Zurich, and Takaful Ikhlas. You can pay by SPayLater installment. But is it cheaper than Bjak? Here's the honest comparison.

Can you buy car insurance on Shopee Malaysia?

Yes. Shopee Malaysia sells comprehensive car insurance from three insurers: Allianz General Insurance, Zurich General Insurance, and Takaful Ikhlas. You can pay by SPayLater installment (2, 3, 6, or 12 months). The process is fully online — get a quote, buy, and receive your e-policy on Shopee. The main limitation vs Bjak is that Shopee only offers 3 insurers while Bjak compares 16. Best strategy: compare on Bjak first, then check Shopee if installment payment is your priority.

Updated 2026 • Malaysia

What Shopee Offers for Car Insurance

Allianz General Insurance
Zurich General Insurance
Zurich General Takaful
Takaful Ikhlas
SPayLater installments (up to 12 months)
RM25 cashback via referral
24/7 free towing & roadside assist
Motorcycle insurance

Shopee vs Bjak: Honest Comparison

Feature	Shopee Insurance	Bjak
Insurers available	3 (Allianz, Zurich, Takaful Ikhlas)	16 insurers
Price comparison	No — choose one insurer	Yes — side-by-side comparison
Pay by installment	✓ SPayLater (2/3/6/12 months)	— (lump sum only)
Motorcycle insurance	✓ Yes	Limited
Car insurance	✓ Yes	✓ Yes
Add-ons (Special Perils, Windscreen)	✓ Available	✓ Available
NCD auto-applied	✓ Yes	✓ Yes
E-policy issued	✓ Immediately	✓ Immediately
Best for	Installment payment, Allianz/Zurich fans	Finding lowest price from 16 insurers

Both platforms are BNM-licensed. Both issue valid e-policies accepted for JPJ road tax renewal.

SPayLater: The Key Reason to Use Shopee

Split Your Premium Into Monthly Payments

Car insurance in Malaysia is typically paid as a lump sum annually. Shopee's SPayLater lets you split the payment into 2, 3, 6, or 12 months — making it easier to manage cash flow. Example: a RM1,200 premium becomes RM100/month over 12 months. There may be a small SPayLater fee, but for many drivers the cash flow benefit outweighs the cost. This is especially useful for first-time car owners or those renewing multiple policies at once.

Is Shopee Car Insurance Cheaper?

Not necessarily. Shopee only offers 3 insurers — Allianz, Zurich, and Takaful Ikhlas. Their premiums are the same as buying directly from those insurers. There is no exclusive Shopee discount on the insurance premium itself.

Shopee occasionally runs promotions (RM20 vouchers, ShopeePay cashback) that can reduce the effective cost. But these are time-limited.

The best approach: Compare all 16 insurers on Bjak first to find the cheapest option. If Allianz or Zurich is the cheapest for your car and you want installment payment, then buy on Shopee instead. If another insurer (e.g. Etiqa, MSIG) is significantly cheaper, buy on Bjak.

How to Buy Car Insurance on Shopee

Go to shopee.com.my/m/comprehensive-car-insurance

Access the car insurance landing page directly — or search 'car insurance' on Shopee.

Enter your car plate number

Shopee retrieves your car details from JPJ. Enter your IC number and current NCD percentage.

Select your insurer

Choose from Allianz, Zurich, or Takaful Ikhlas. Add optional coverage: Special Perils, Windscreen, etc.

Choose SPayLater or full payment

At checkout, select SPayLater to split into monthly installments, or pay full amount via ShopeePay, credit/debit card.

Receive e-policy immediately

Your e-policy is emailed and available in your Shopee account. Valid for JPJ road tax renewal.

Verdict: When to Use Shopee vs Bjak

Use Shopee if: installment payment is important to you
Use Shopee if: you specifically want Allianz or Zurich
Use Shopee if: there's an active Shopee voucher promotion
Use Bjak if: you want the cheapest price across all insurers
Use Bjak if: you want to compare add-on prices side by side

Bonus: Get RM25 Off via Referral

Use Our Referral Link — Get RM25 Cashback on Car Insurance

Shopee's referral program gives you RM25 cashback when you buy car insurance through a referral link (RM15 for motorcycle insurance). Use our referral link below — it's the same price as going direct, but with RM25 back in your Shopee wallet. No catch.

Referral Offer

Get RM25 Cashback on Car Insurance

Buy through our referral link — same price as going direct, but RM25 goes back into your Shopee wallet. RM15 for motorcycle insurance.

Car Insurance — Earn RM25 Motorcycle Insurance — Earn RM15

Referral code: PQPOJB · Subject to Shopee T&Cs

Shopee Car Insurance Malaysia FAQ

Yes. Allianz, Zurich, and Takaful Ikhlas are all licensed by Bank Negara Malaysia (BNM). Buying through Shopee is the same policy you'd get directly from the insurer — just through a different purchase channel. The e-policy is valid for JPJ road tax renewal.

Related Guides

Best Car Insurance Malaysia 2026

Full comparison of all 16 insurers including Allianz and Zurich

Allianz Road Rangers Review

Allianz is on Shopee — is their claims service worth it?

Zurich 24-Hour Roadside Assist

Zurich is on Shopee — full review of their assist service

Takaful vs Conventional Insurance

Takaful Ikhlas is on Shopee — understand the difference

Motorcycle Insurance Malaysia

Shopee also sells bike insurance — Zurich Z-Rider and Allianz

Compare Car Insurance Before You Buy on Shopee

Check Bjak first to see if Allianz or Zurich is the cheapest for your car. If yes — buy on Shopee for installment payment. If another insurer is cheaper — buy on Bjak.

Compare on Bjak Buy on Shopee