Vehicle
Insurance
Aarrohi helps you find the right vehicle insurance in Malaysia — with tailored options for both motor insurance and motorcycle insurance. From third-party coverage to protection against accidents, theft, and damage, we make it simple to secure the plan that fits your needs.
View Our Offer
- Vehicle insurance Products
What Do We Offer
Protect your business, assets, and financial well-being with our wide range of insurance solutions designed to safeguard you from unexpected events. Our offerings include:
- Motor Insurance
- Motorcycle Insurance
Comprehensive Cover
Coverage Includes:
Third Party, Fire & Theft Cover
Coverage includes:
Third Party Cover
Coverage includes:
**Additional benefits and add-ons may include personal accident coverage, medical expenses, towing assistance, flood damage, key replacement, and legal liability for accidents.
Comprehensive Cover
Coverage Includes:
Third Party, Fire & Theft Cover
Coverage includes:
Third Party Cover
Coverage includes:
**Additional benefits may include personal accident compensation, ambulance fees, towing services, funeral expenses, and protection for both rider and pillion, depending on the policy.
- FAQ
Frequently Asked Questions
What is the difference between comprehensive and third-party insurance?
Comprehensive insurance covers damages to your vehicle and third-party losses, including theft, fire, and accidents. Third-party insurance, on the other hand, only covers damages or injuries caused to others but does not protect your own vehicle.
Is motor insurance mandatory?
Yes, at least third-party insurance is required by law to drive on public roads. Without it, you risk fines, legal action, or even your vehicle being impounded if caught driving without valid coverage.
Can I transfer my No-Claim Discount (NCD) to another vehicle?
Yes, your NCD can be transferred to a new vehicle under your name, but it cannot be shared between multiple vehicles or transferred to another person. If you sell your car and buy a new one, you can carry over your NCD to reduce the premium.
What happens if my insurance expires?
If your insurance lapses, your vehicle is no longer legally covered, and you won’t be able to renew your road tax. Driving without valid insurance can result in fines, penalties, or legal consequences in case of an accident.
Does my policy cover flood damage?
Standard policies usually do not cover flood damage, but you can add special perils coverage to protect against natural disasters like floods, landslides, and storms. This add-on is recommended if you live in flood-prone areas.
How is my premium calculated?
Your insurance premium is based on several factors, including your vehicle’s model, engine capacity, age, market value, No-Claim Discount (NCD), and selected add-ons. Higher-risk vehicles or drivers may have higher premiums.
Can I insure my motorcycle for personal accident coverage?
Yes, most insurers offer personal accident coverage for motorcycle riders and pillion passengers. This helps cover medical expenses, disability, or death benefits in case of an accident. You can check your policy for details on coverage limits.
What should I do after an accident?
Take photos of the accident scene, exchange details with the other party, and report the incident to the police within 24 hours. Notify us immediately to start the claims process.
Is my car still covered if someone else is driving it?
Most policies allow other drivers to use your car, but some require them to be named in the policy. If an unauthorised driver gets into an accident, the claim may be rejected, or additional excess charges may apply.
How do I make a claim?
Contact us as soon as possible and provide the necessary documents, such as a police report, photos, and repair estimates. We will assess your claim and guide you through the process, including repairs and compensation.
Not sure which insurance plan is right for you? Request a callback — our team is here to help!
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Test 01 - The level of professionalism and personalized service we received was exceptional. Their ability to understand our unique financial needs has helped us stay ahead of the competition. We saw considerable growth in our financial stability within just six months.
Client 01 - Vinood
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