Commercial
E-Hailing Car Insurance Malaysia
Insurance coverage for Grab, MyCar, InDriver and other ride-hailing drivers. Requirements, costs, and how to get properly covered.
Requirements Checklist
- Valid driving license + PSV license
- E-hailing Vehicle Permit (EVP)
- PUSPAKOM vehicle inspection (6 months)
- E-hailing insurance (not regular policy)
- Road tax updated
- Car under 10 years (Grab) or varies by platform
Estimated Costs by Car
Perodua Myvi/AxiaRM 1,200-1,800
Perodua BezzaRM 1,300-1,900
Proton Saga/PersonaRM 1,200-1,800
Toyota Vios/Honda CityRM 1,600-2,400
Honda HR-V/Toyota RushRM 1,800-2,800
Insurers That Offer E-Hailing Insurance
| Insurer | Platform Support | Est. Premium | Notes |
|---|---|---|---|
| Zurich | Grab, MyCar, InDriver | RM 1,400-2,500 | Official Grab partner, strong e-hailing support |
| Allianz | Grab, MyCar | RM 1,300-2,300 | Fast claims, good panel workshop network |
| Etiqa | Grab, MyCar, InDriver | RM 1,200-2,100 | Competitive pricing, Takaful option |
| Tokio Marine | Grab, MyCar | RM 1,350-2,400 | Good add-ons, reliable claims process |
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Calculate E-Hailing PremiumFAQ
What is e-hailing car insurance?
E-hailing insurance is a special type of coverage required for cars used for ride-hailing services like Grab, MyCar, and InDriver. It covers both e-hailing usage periods and personal use of the vehicle.
How much does e-hailing insurance cost in Malaysia?
E-hailing insurance is typically 30-80% more expensive than regular comprehensive insurance. Expect to pay RM 1,200-3,000 for a standard sedan, depending on the car value, coverage type, and add-ons.
Can I use regular insurance for e-hailing?
No. Regular private car insurance explicitly excludes commercial use including e-hailing. If you have an accident while doing e-hailing without proper insurance, your claim will be rejected.
Which insurers offer e-hailing insurance?
Zurich (via Grab), Allianz, Etiqa, and several other insurers offer dedicated e-hailing plans. Coverage and pricing vary significantly — comparison shopping is essential.
What does e-hailing insurance cover?
E-hailing insurance covers: own damage, third-party liability, passenger liability, and personal accident for driver and passengers. Add-ons like windscreen and flood cover are also available.
Do I need PSV license for e-hailing insurance?
Yes — you need a valid PSV (Public Service Vehicle) license, e-hailing vehicle permit (EVP), and your car must pass PUSPAKOM inspection to qualify for e-hailing insurance.