Car Insurance

Life has plenty of journeys. Keep those journeys going with AIG Car Insurance.

We provide comprehensive protection for you and your car, covering you against damage to your own vehicle due to accident, fire and theft. We also cover your liabilities to other parties such as damage, injury or death to the other party and their vehicle.

Our most popular features include

Award Winning Claims Services

Fastest claims turnaround time.

1 Year Warranty*

On repair done at our panel workshop.

*Warranty is for workmanship only

Smart Auto Assist Services

24 Hours, 7 Days.
Road Assistance.
Just Call: 1800 88 6990

Instant Renewal/ Transfer Online

Instant update of JPJ status & road tax renewal service included. Renew online here

Note : We provide Digital Road Tax Renewal when you renew your Car Insurance online with us.

Smart Auto Assist Services

24/7 Nationwide Accident Assistance

Call our quick-response team if you face vehicle breakdowns, accidents, or other motor emergencies.

Towing Services

Upon request, a certified tow truck will help take your immobilised vehicle to our nearest AIG panel workshop.

Emergency Battery Delivery

Battery failure? Free delivery and installation of a new battery will be provided. You only have to take care of the battery and toll charges.

On-The-Spot Assistance

When facing vehicle breakdowns, we can send a qualified mechanic to the site upon request.

To find out more, kindly call our Contact Centre : 1800 88 6990
Service is subjected to Terms & Conditions

Windscreen Repair At Your Home

AIG now offers windscreen repair, right at your home. It’s as easy as making a call and setting the date with our windscreen repair panel workshop nearest to you. Visit our windscreen repair workshop locator and FAQ here>
This service is applicable for AIG Car Insurance policyholders, with windscreen coverage add-on.

Online Quick Quote & Renewal in 4 easy steps

Start your renewal

You can renew as early as 2 months before the expiry date.
Renew Online Now >

Not ready to renew yet?

Just leave your details and we'll remind you.
Remind Me >

Benefits

Vehicle damage due to accident

If your vehicle is damaged after an accident, just bring it in for repairs to our panel workshop and we will take care of the bills. Our dedicated auto claim specialists will liaise with the workshop on accident-related repair costs.

Customisable add-on coverage

We offer a selection of add-on coverage, which suits you and your vehicle while on the road. For an extra premium, you can choose to extend selected coverage such as windscreen, passenger protection plan, special perils (in case of flood or natural events) or accident guard. (Accident related expenses)

Coverage for vehicle fire & theft

We'll reimburse you the market value/agreed value* of your car, in the event of theft or total loss caused by fire. Just make sure you lodge a police report immediately.
*If your vehicle is covered with an agreed value policy.

Full payout on total car damage

If your vehicle is covered with an agreed value1 policy with us, you'll get the full pay-out on total car damage. It's always recommended to get covered with us on agreed value1 policy.
*If your vehicle is covered with an agreed value policy.

Privileges at our panel repair workshop

For your vehicle repairs at our panel workshop, you'll be entitled to enjoy 1 year warranty* on all repairs done.
*If your vehicle is covered with an agreed value policy.

Road Assistance Service

With every Comprehensive Car Insurance coverage, you'll be entitled for free road assistance, offering services such as change of punctured tyre, battery, towing service, accident assistance, out of petrol and more.

Frequently Asked Questions (FAQ)

1. What is this product about?

This policy provides insurance against damage to your own vehicle and/or your liabilities to other parties or death and damage to other parties’ property as a result of a motor accident depending on type of cover selected.

  • Comprehensive Cover - accidental or fire damage to your vehicle or theft of your vehicle.
  • Third Party Fire & Theft – cover your liability towards third party as a result of motor accident and damage/loss of your vehicle due to fire and/or theft.
  • Third Party Cover – it will cover:
    • Death or third party bodily injury; and
    • Third party property loss or damage.
  • Windscreen damage
  • Riot Strike & Civil Commotion
  • Passenger liability cover
  • Damage arising from flood and landslide
  • Cash compensation if your vehicle is declared total loss or damage due to flood
  • Transportation Fare
  • Vehicle Break-in
  • Key Replacement
  • Car Loan Support
  • Tyres and Rims Repair/Replacement

The above optional benefits are for Private Car only. There are separate extras for Commercial Vehicles.

Duration of cover is for one year. You need to renew the insurance annually. It is advisable that the period of insurance must tally with the road tax. To check your car insurance expiry date, please visit JPJ.

We also provide 24 hours, 7 days Road Assistance Service for all Comprehensive Car Insurance policies.

You can renew your auto insurance in any of the following method:

  1. Renew online in just 4 easy steps, now including road tax renewal service; or
  2. Locate & contact an agent to perform renewal; or
  3. Walk in to your nearest AIG Malaysia customer service counter to perform renewal.

We provide Digital Road Tax renewal service when you renew your Car Insurance online with us.

Note : You must be registered on MyJPJ App to view your digital road tax.

Road Tax is not applicable for Electric vehicles (EVs), which are currently exempted from road tax from January 1, 2022 until December 31, 2025.

Question

Answer

Is the digital road tax renewal service applicable for vehicles used in West Malaysia & East Malaysia?

 This service is currently available only for vehicles used in West Malaysia. For vehicles used in East Malaysia, you can still renew your car insurance online (without selecting road tax).
What type of charges are involved when I renew digital road tax with AIG Car Insurance online?

You'll be charged for:

  1. Road tax fee (West Malaysia rate apply)
  2. MyEG e-Services Charge @ RM2.75
  3. MyEG Service Tax on e-services charge

All digital road tax renewal are facilitated by MyEG Services.

When will I be able to view the digital road tax on MyJPJ app after I have renewed it here?

You can view your digital road tax on your MyJPJ App after 48 hours.

I've renewed my car insurance with digital road tax renewal online with AIG. I can't view my renewed digital road tax in MyJPJ app. What do I do?

You can check via the following methods :

  • Call MyEG customer service at +603 7801 8888
  • Call AIG Malaysia to enquire further at 1800 88 8811

With the phased motor liberalization, the premium you may need to pay is based on the risk factors such as your age, gender, your vehicle age, make and model, cubic capacity, sum insured, location of your vehicle mostly used and any other factors that may applicable at time of cover issuance.

Stamp duty: RM 10.00

Premiums are inclusive of Service Tax (ST) of 8%.

  • Who can apply - Anyone between the age of 25 to 75 years old with a valid driving licence for the appropriate class of vehicle. Minimum driving experience is 2 year. Acceptance may be subjected to our internal underwriting guidelines.
  • Pursuant to Paragraph 5 of the Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance wholly for purpose unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you apply for this insurance).
  • You must answer the questions fully and accurately.
  • Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.
  • The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
  • In addition to answering the questions in the Proposal Form (or when you apply for this insurance), you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.
  • You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you have applied for this insurance) is inaccurate or has changed.
  • The excess that is the amount of loss you have to bear in the event of an accident. There is an additional excess of RM400 in case of accident where your vehicle is driven by a person not named in your policy, below the age of 21 or still under probational licence (P) (for Comprehensive Private Car).
  • Betterment charges (if you involve in accident and the damaged parts are replaced with new parts) will apply for vehicles age 5 years and above.
  • You must ensure that your vehicle is insured at the appropriate amount.
  • You have to maintain your vehicle in a roadworthy condition
  • Motor is a Cash Before Cover policy. Payment must be made upfront before cover can be issued.

This policy does not cover certain losses, such as:

  • Your own death or bodily injury due to a motor accident;
  • Your liability against claims from passengers in your vehicle; and
  • Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide.

Note :

This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

You may cancel your policy at any time by giving written notice to us. Upon cancellation, you are entitled to a refund of the premium, provided that we have not paid a claim against your policy. A minimum premium of RM50 will be retained and the balance will be calculated on short-period rates or pro-rate, depending on whether your policy is a first year or a renewal policy with us.

AIG Malaysia gives you 24/7 online convenience to update your policy contact information here.

At your convenience, you can now do the following updates online:

  1. Mailing Address
  2. Email Address
  3. Contact Number

Should you require additional information about car insurance, please refer to the insurance info booklet on ‘Car Insurance’, available at all our branches or you can obtain a copy from your insurance agent or visit www.insuranceinfo.com.my.

If you have any enquiries, please contact us at:

AIG Malaysia Insurance Berhad

Menara Worldwide

198 Jalan Bukit Bintang
55100 Kuala Lumpur

Walk in Service Counter : Level 17

Contact Information

Toll Free 1800 88 6990 (within Malaysia)
General Line +603-2118 0188
Fax 603-2118 0288
Email: AIGMYCare@aig.com

Operation Hours

Monday to Friday, 9am to 5pm (except Public Holidays)

Terms and Conditions

  1. 2.5%+2.5% S-Coin is only exclusive for POLICYHOLDER who signup PlusOne® Membership.
  2. 2.5%+2.5% S-Coin are based on Premium After 10% Discount.
  3. 2.5%+2.5% S-Coin will be credited to your S-Coin account within fourteen (14) working days upon successful insurance application.
  4. SENHENG reserves the right to amend, add to or remove any of these Terms and Conditions at its sole discretion without prior notice.

Learn more about AIG Motor Insurance

   underwritten by AIG Malaysia Insurance Berhad (795492-W)