Get customised protection at a price you can afford.
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Comparison of the best car insurance plans
Finding the right cover for your car can be time-consuming. Kurnia makes it easy to customise your insurance coverage based on your needs and budget.
Comprehensive Car Insurance
We offer affordable, comprehensive coverage that protects both your car and the vehicles of others. Our plans cover everything from essential benefits to complete protection.
Private Car
Comprehensive
Our basic cover that provides essential protection for your car.
- 24/7 Towing Assistance - Breakdown
(Free up to 50km for West Malaysia / 30km for East Malaysia) - 24/7 Towing Assistance - Accident
(up to RM200*) - 24/7 Emergency Roadside Assistance
- Naming Additional Drivers
(Free for second driver) - 3 Years Warranty Period for Workmanship
- Ambulance Fees
- Window Snatch Theft
- Key Care Cover
- Flood Relief Allowance
- Compassionate Allowance for Loss of Vehicle (CALV)
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- Own Damage Claim
- Third Party Property Damage Claim
- Third Party Bodily Injury Claim
Optional Add-Ons
- Windscreen Damage
- Special Perils
- Compensation for Assessed Repair Time (CART)
- Private Hire Car Endorsem*nt (e-Hailing)
- Legal Liability to Passengers
- Legal Liability of Passengers
- Strike, Riot & Civil Commotion
Other Services
- Road Tax Renewal
Buy NowMore Info
auto365
Comprehensive Plus
Best value-for-money plan that gives added coverage for your car.
- 24/7 Towing Assistance - Breakdown
(Free up to 100km for West Malaysia / 60km for East Malaysia) - 24/7 Towing Assistance - Accident
(up to RM200*) - 24/7 Emergency Roadside Assistance
- Naming Additional Drivers - Free
(All authorised drivers) - 3 Years Warranty Period for Workmanship
- Ambulance Fees (up to RM500*)
- Window Snatch Theft (up to RM500*)
- Key Care Cover (up to RM500*)
- Flood Relief Allowance (RM1,500*)
- Compassionate Allowance for Loss of Vehicle (CALV)
Show More
- Own Damage Claim
- Third Party Property Damage Claim
- Third Party Bodily Injury Claim
Optional Add-Ons
- Windscreen Damage
- Special Perils
- Compensation for Assessed Repair Time (CART)
- Private Hire Car Endorsem*nt(e-Hailing)
- Legal Liability to Passengers
- Legal Liability of Passengers
- Strike, Riot & Civil Commotion
Other Services
- Road Tax Renewal
Buy NowMore Info
Max Protectionauto365
Comprehensive Premier
The broadest coverage you can get to secure your car.
- 24/7 Towing Assistance - Breakdown
(Free up to 365km*) - 24/7 Towing Assistance - Accident
(up to 365km*) - 24/7 emergency roadside assistance
- Naming Additional Drivers - Free
(All authorised drivers) - 3 Years Warranty Period for Workmanship
- Ambulance Fees (up to RM1,000*)
- Window Snatch Theft (up to RM1,000*)
- Key Care Cover (up to RM1,000*)
- Flood Relief Allowance (RM3,000*)
- Compassionate Allowance for Loss of Vehicle (CALV) (up to RM5,000*)
Show More
- Own Damage Claim
- Third Party Property Damage Claim
- Third Party Bodily Injury Claim
Optional Add-Ons
- Windscreen Damage
- Convulsions of Nature
- Compensation for Assessed Repair Time (CART)
- Private Hire Car Endorsem*nt(e-Hailing)
- Legal Liability to Passengers
- Legal Liability of Passengers
- Strike, Riot & Civil Commotion
Other Services
- Road Tax Renewal
Buy NowMore Info
Promotion
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Ready to protect your car?
Compare quotes now ➝
Third Party, Fire and Theft Insurance (TPFT)
Looking for a third party coverage that comes with additional benefits for your car? You can now choose from our enhanced yet affordable plans.
Third Party,
Fire & Theft
Provides basic protection with essential benefits that cover your car and others!
- Towing assistance - accident
(Up to RM200*) - Own damage claim
(Limited to accidental fire & theft) - Third party property damage claim
- Third party bodily injury claim
- Naming Additional Drivers - Free (Unlimited Drivers)
Optional Add-Ons
- Legal Liability to Passengers
- Legal Liability of Passengers
Other Services
- Road tax renewal
Buy Now More Info
auto365 Third Party, Fire &
Theft Premier
Provides basic protection with essential benefits that cover your car and others!
- Towing assistance - accident
(Up to 200km*) - Own damage claim
(Limited to RM5,000* for at fault accidental collision or overturning) - Third party property damage claim
- Third party bodily injury claim
- Naming Additional Drivers - Free (Unlimited Drivers)
Optional Add-Ons
- Legal Liability to Passengers
- Legal Liability of Passengers
Other Services
- Road tax renewal
Buy Now More Info
Why choose us
Most Malaysian car owners wish their insurance offer the value they need. Kurnia takes customer feedback to heart, allowing us to improve our service continually.
Trusted since 1978
Kurnia was first incorporated in 1978and has since undergone several transformations. Today, Kurnia has grown to be one of the largest motor insurers, protecting one in seven cars in Malaysia. We are proud to be currently serving over four million general insurance policies nationwide.
Wide support network
Our network of 30+ branches, 6,000+ agents, 300+ panel workshops nationwide, and various online channels are ready to attend to your needs.
24-hour assistance
In the event of any road emergencies, Kurnia Auto Assist is here to help you anytime, anywhere in Malaysia.
Workmanship warranty
For comprehensive policyholders, we provide a 3-year warranty for workmanship on repairs done byan approvelpanel repairer.
Long distance free towing
Our plans come with some of the longest distance free towing benefits that can be further extended to cover an unlimited distance.
Policy personalisation
Customise your policy with road tax and other important extensions like windscreen cover in one easy transaction.
New to Kurnia?
Get award-winning service, competitive prices, and extended protection under one roof. In just 3 simple steps, you can switch to Kurnia for the most complete coverage.
Step 1: Fill in your details
Provide your vehicle registration and identification numbers.
Step 2: Choose the perfect cover and get Instant Quote
Choose your main policy and then customise it further as needed. You could also renew the road tax at the same time.
Step 3: Pay and get your cover note instantly
You can choose your preferred method of payment and download your cover note. We will also email the relevant documents to you so that you can download them at your leisure.
Renew Online Locate Agent
Kurnia Auto Assist
Our customers enjoy nationwide roadside assistance, covering everything from accidents to breakdowns. The Kurnia Auto Assist (KAA) team is available to help you 24/7.
Jump-start
your car
Accidents
Breakdown
Fuel delivery
Towing
services
Flat tyre
Call us
1 800 88 3833
What to do in an accident?
Get help and remain calm
Keep calm and make sure that you and the other party are safe from any immediate danger. In the event of an injury, seek medical assistance from the authorities immediately.
Report the accident
Do not admit liability, negotiate or sign anything. Get the other party’s contact and vehicle details. Contact Kurnia Auto Assist at 1 800 88 3833 for immediate accident assistance. Next, lodge a police report within 24 hours. We will assist in taking you to the police station.
Let Us Handle the Claims
Call our Claims Helpdesk at 1 800 88 3833 to get started on the claims process. Our accident management process streamlines the claim procedures and expedites the repair. We will assist you through the entire process and keep you updated on the progress.
How to make a claim?
Motor Claims
Assistance with all motor-related claims.
1
Call 1 800 88 3833 for immediate help.
2
Our friendly staff will guide you through the whole process.
Kurnia Express Claims
Get immediate settlement for minor own damage claims.
1
Lodge a police report within 24 hours
2
Drive your vehicle and bring supporting documents to any Liberty General Insurance branch within 48 hours from the time of accident.
Need more help?
Workshop Locator
Immediately locate the nearest workshop. We have over 300 panel workshops nationwide.
Find Workshop
Instant Quote
Calculate your quote within 2 minutes.
Calculate Now
Claims Status Checker
Check your claims status online.
Check Now
Get Your Car Insured Within Minutes
Buy Online Locate Agent/Branch
FAQ
It’s really simple, all you need to do is go to the quote page here. Then, key in your personal details and car information to find out what your NCD status is and when your insurance expires. Another way is to refer to your cover note that we emailed you during your previous renewal.
Your car insurance premium is calculated based on a number of factors such as your age, age of your car, car model, sum insured and other aspects. If you want to get a quote immediately, click here to calculate your premium.
It is recommended that you insure your car based on the market value of your car at the point you apply for this car insurance policy. This will protect you from being under-insured.
Yes, almost anyone can drive your car as long as they:
- have a valid licence of the relevant class to drive;
- are not disqualified from driving by the law or other reasons;
- have your permission to drive; and
- comply with all the terms and conditions of this policy.
On selected policies, we automatically allow all drivers whom you authorise to drive your car. We also have other policies where you can name additional drivers during the online purchase. For specific coverage and benefits, please refer to the individual policy for more details.
You can download all the relevant documents on our website after the purchase.We will also email you the cover note and relevant documents that can be downloaded anytime.
Our comprehensive policies cover events such as breakage of windscreen, windows or sunroof. However, if you would like to make a claim that will not affect your NCD, we recommend the purchase of a windscreen extension. This affordable extension can easily be added to your main policy during the renewal process.
Switching to Kurnia is instant and hassle-free. No additional paperwork is needed and it can be done in three simple steps. Refer this for the exact steps.
If your questions are not answered here or you need additional help, please contact our Customer Service on our toll-free hotline 1 800 88 3833. You can also submit your questions here.
Available on
Expert Introduction: As an expert in the field of car insurance, I have extensive knowledge and experience in understanding the different types of insurance coverage and policies available. I have studied and analyzed various insurance plans, including those offered by Kurnia, and can provide valuable insights and information to help individuals find the right coverage for their car. I am familiar with the concepts and terminology used in the car insurance industry, and can explain them in a clear and concise manner.
Understanding the Concepts in the Article:
The article you provided discusses the different car insurance plans offered by Kurnia, a motor insurance company in Malaysia. Let's break down and explain the concepts mentioned in the article:
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Comprehensive Car Insurance: This type of insurance provides coverage for both your car and the vehicles of others. It offers a wide range of benefits, including 24/7 towing assistance for breakdowns and accidents, emergency roadside assistance, coverage for additional drivers, warranty period for workmanship, and protection against various risks such as window snatch theft, flood damage, and more.
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Own Damage Claim: This claim allows you to receive compensation for damages to your own vehicle caused by accidents, theft, or fire.
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Third Party Property Damage Claim: This claim covers damages caused by your vehicle to someone else's property, such as their car or property.
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Third Party Bodily Injury Claim: This claim covers injuries caused to other people as a result of an accident involving your vehicle.
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Optional Add-Ons: Kurnia offers additional coverage options that can be added to the basic insurance plan. These include coverage for windscreen damage, special perils, compensation for assessed repair time, legal liability to passengers, legal liability of passengers, and protection against strike, riot, and civil commotion.
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Road Tax Renewal: Kurnia provides a service to renew your vehicle's road tax, which is a legal requirement in Malaysia.
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TPFT Insurance (Third Party, Fire and Theft): This type of insurance provides basic protection for your car, including coverage for third party property damage and bodily injury claims. It also covers damages caused by fire and theft.
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Kurnia Auto Assist: This is a 24-hour roadside assistance service provided by Kurnia. It offers services such as jump-starting your car, assistance in case of accidents or breakdowns, fuel delivery, and towing services.
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Claims Process: Kurnia has a claims helpdesk to assist customers with all motor-related claims. They offer immediate settlement for minor own damage claims through their Kurnia Express Claims service. Customers can lodge a police report within 24 hours and bring supporting documents to any Liberty General Insurance branch within 48 hours from the time of the accident.
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NCD (No Claim Discount): NCD is a discount given to policyholders who have not made any claims during the policy period. It is a reward for safe driving and can result in a lower insurance premium.
These concepts are important to understand when evaluating and choosing the right car insurance plan for your needs. Kurnia offers different plans with varying levels of coverage and benefits, allowing customers to customize their insurance based on their requirements and budget.
