Tokio Marine Car Insurance Review 2026
Tokio Marine is consistently rated among the best car insurers in Malaysia, with exceptional claims service, innovative NCD protection, and strong windscreen coverage.
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- Highest customer satisfaction rating (4.6/5) among insurers reviewed
- NCD Protection Plan — preserve your NCD even after a claim
- Generous windscreen cover up to RM 2,500 without NCD impact
- 24/7 Tokio Marine Assist roadside service with 100km free towing
- Panel workshop quality consistently rated excellent
- Flood cover included as standard in comprehensive plans (not an add-on)
What Could Be Better
- Premium pricing at the higher end of the market
- Add-on costs generally higher than competitors
- Panel workshop network (~220) smaller than Allianz
- E-hailing coverage only available through specialised plans
Overall Rating
About Tokio Marine Malaysia
Tokio Marine Insurans (Malaysia) Berhad is part of Tokio Marine Group, Japan's oldest and largest insurance group with operations in 46 countries. In Malaysia, Tokio Marine is known for their outstanding claims service — consistently ranking top in customer satisfaction surveys. Their 'TM Promise' guarantees claims settlement transparency and speed. Tokio Marine's NCD Protection Plan is one of their standout features, allowing policyholders to protect their hard-earned NCD even after making a claim. They also offer one of the most generous windscreen coverage limits in the market, making them a top pick for highway drivers concerned about stone chips.
Coverage Plans & Pricing
Estimated annual premiums for a standard 1,500cc sedan with 38% NCD. Final quotes may vary.
Tokio Marine Comprehensive Plus
Premium comprehensive cover with flood included and NCD protection option
- Own damage repair
- Theft & fire protection
- Third-party liability (unlimited)
- Flood cover INCLUDED (not an add-on)
- Windscreen up to RM 2,500
- Personal accident (driver + passengers)
- 24/7 Tokio Marine Assist
- NCD Protection Plan (optional)
- Loss of use (courtesy car)
Tokio Marine Third Party Fire & Theft
Reliable mid-tier cover from a top-rated insurer
- Third-party liability
- Fire & theft of own vehicle
- Personal accident cover
Tokio Marine NCD Protection Plan
Add-on plan that protects your NCD — make a claim without losing your discount
- One claim per year without NCD reduction
- Transfers to new insurer if you switch
- Available on comprehensive plans only
Available Add-ons
Optional extras you can add to your Tokio Marine comprehensive plan.
Windscreen Coverage
RM 80 – 120/yrIndustry-leading windscreen cover up to RM 2,500 per claim, no NCD impact
NCD Protection
RM 60 – 100/yrProtect your NCD — make one claim per year without losing your discount
All Drivers Cover
RM 55 – 85/yrExtends cover to all licensed drivers aged 21+
Passenger Liability
RM 35 – 50/yrLegal liability coverage for passenger injuries
Towing & Roadside
RM 35 – 55/yr24/7 Tokio Marine Assist with free towing up to 100km per incident
Key Replacement
RM 30 – 50/yrCovers replacement of lost or stolen car keys and electronic reprogramming
Panel Workshops
Tokio Marine has approximately 220 panel workshops across Malaysia. While their network is smaller than Allianz, Tokio Marine workshops are carefully selected for quality — consistently rated among the best for workmanship and genuine parts usage. Their 'TM Preferred Workshop' programme in Klang Valley, Penang, and Johor offers guaranteed quality with repair warranties.
Tokio Marine Claims Process
- 1Call Tokio Marine Assist 24/7 at 1-800-88-3833 to report your accident
- 2A claims advisor guides you through documentation requirements
- 3Submit photos and supporting documents via the TM Mobile App or email
- 4Vehicle inspection arranged at your location or nearest panel workshop
- 5Claim decision typically within 1-2 working days
- 6Repair at TM panel workshop with direct settlement — just collect your car
Claim decisions typically within 1-2 working days. Tokio Marine consistently ranks top in claims satisfaction surveys.
Best For
- Drivers who want the best claims experience
- High-NCD drivers wanting NCD protection
- Highway commuters (best windscreen cover)
- Families wanting reliable, quality coverage
- Drivers willing to pay slightly more for premium service
Not Ideal For
- Extreme budget shoppers
- Drivers in remote areas with no TM workshop nearby
- E-hailing drivers (requires separate plan)
FAQ
What is Tokio Marine's NCD Protection Plan?
Does Tokio Marine cover flood damage?
What is the Tokio Marine windscreen cover limit?
How do I file a claim with Tokio Marine?
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