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E-HAILING INSURANCE
Special Coverage for My Car Drivers
Drive with confidence knowing your vehicle, passengers, and income are protected. E-Hailing Insurance for private cars is designed for drivers, whether part-time or full-time, with coverage while operating for e-hailing.
Why Choose Our E-Hailing Insurance?
Standard private car insurance may not cover e-hailing usage. This plan is specifically structured for e-hailing drivers to ensure compliance, safety, and peace of mind.
Valid for My Car (Private Vehicle) used for e-hailing
Protection during on-trip and off-trip usage
Covers driver, passengers & third parties
Affordable premium with flexible options
Fast quotation & hassle-free claims
Coverage Highlights
Vehicle Protection
- Accidental damage to your car
- Fire and theft coverage
- Third-party property damage
Driver & Passenger Protection
- Personal accident coverage
- Medical expenses (subject to policy terms)
- Liability coverage for passengers
Third-Party Liability
- Bodily injury or death
- Property damage caused to others
*Coverage applies while using your car for e-hailing services under My Car registration.
Who Is This Plan For?
- Grab / e-hailing drivers using My Car
- Part-time or full-time e-hailing drivers
- Private car owners who want proper e-hailing protection
- Drivers seeking compliant & reliable coverage
*Plans shown are for illustration purposes. Coverage and premium vary based on vehicle details, usage, and underwriting approval.
Plan 1
Basic E-Hailing Coverage
Essential protection for part-time drivers
- Third-party liability
- Passenger legal liability
- E-hailing usage endorsement
- On-trip & off-trip coverage
👉 Suitable for low-risk, part-time drivers
Plan 2
Standard E-Hailing Coverage
Balanced protection for regular drivers
- All Basic coverage
- Own damage (accident)
- Fire & theft
- Driver personal accident
👉 Most popular choice
Plan 3
Premium E-Hailing Coverage
Maximum protection for full-time drivers
- All Standard coverage
- Higher liability limits
- Extended driver & passenger benefits
- Optional add-ons available
👉 Best for full-time e-hailing drivers
Emergency Support
You typically need to be of legal driving age, hold a valid driver’s license, own an eligible vehicle, and meet the insurer’s criteria regarding driving experience and claims history.
24-hour Emergency Roadside Assistance
Dedicated claims and auto assist hotline that offer 24/7 emergency assistance
Emergency Message Transmission
In case of an accident, we can help you to inform your family
Emergency Evacuation Assistance
In case of an accident, we can arrange for you to be taken to the hospital
Windscreen Repair on Site
Our technicians will head to your location to fix your windscreen (Only applicable with Windscreen add-on)
Borrow you a car while your car is being repaired
You will receive a car on loan for up to 14 days. Pick up within Klang Valley. Call us at: 1300-88-1007
Frequently ask questions
ALL QUESTION
Is this insurance valid for Grab and other e-hailing apps?
Yes. This insurance is suitable for all licensed e-hailing platforms in Malaysia, subject to policy terms.
Can I use this insurance if I drive on multiple platforms?
Yes. Coverage applies regardless of the e-hailing platform you are using.
Does it cover passengers?
Yes. Passenger liability and personal accident coverage are included, subject to limits.
Am I covered when I am not on a trip?
Coverage includes both on-trip and off-trip driving, depending on policy conditions.
What happens if I get into an accident?
You may submit a claim according to policy terms. A standard claims process applies with required documentation.
Is e-hailing insurance compulsory?
Drivers providing e-hailing services are required to have appropriate insurance coverage. This plan helps ensure compliance.
How fast can I get a quotation?
Quotations are available quickly via WhatsApp after submitting your details.
What should I do if i’m involved in an accident?
Call our 24/7 hotline 1800 88 6491 immediately for roadside assistance. Our representative will assist you with workshop selection or you may choose your preferred Etiqa panel workshop. Lodge a police report within 24 hours at the nearest police station. Submit the required documents to the selected workshop within 7 days. Track you claim status online via Etiqa+ App or call 1300 88 1007 for assistance.
What is the difference between Takaful and Conventional Insurance?
While the end goals of insurance and takaful are similar (to provide financial cover against risk such as accidents), there are subtle but important differences between the two concepts. While conventional insurance is governed purely for commercial considerations, the takaful system is based on mutual co-operation and shared responsibility. Governed by the Syariah Advisory Council, it must therefore adhere to certain Islamic principles – most importantly of which it must be free from elements of gharar (uncertainty) in respect of contribution and coverage, maisir (gambling) and riba (interest).
How do I get the insurance cover note and road tax for my vehicle if it has been blacklisted?
If your vehicle has been blacklisted for any reason, contact the Department of Road Transport (JPJ) in order to settle any outstanding fines/summons.
What information is sent to the Department of Road Transport (JPJ) during the verification part of the renewal process?
Engine and chassis number of the vehicle being insured, as well as the vehicle owners’ New NRIC (or Old IC), and the start and end dates of period of protection.
How do I make a claim without affecting my No Claim Discount?
- The only time you may claim without affecting your NCD is if there is irrefutable proof that the other driver (or third party) involved in the accident is at fault. Make sure that:
- You lodge a police report and ensure that anyone involved does the same as well.
- Fill in a claim form.
- State in the policy report that the third party was at fault.
- Gather all of the third party’s details – name, address, IC, car policy details and vehicle details.
- Claims without affecting your NCD is not applicable with the following situations:
- The accident involves a government owned vehicle.
- The accident involves a diplomat vehicle or a foreigner’s vehicle.
- The accident involves a motorcycle.
- The accident involves bad injuries or death
Will I lose my NCD if I make a claim?
You will not lose your NCD if the other driver or a third party is at fault. The ultimate determination of the party at fault will be based on the evidence from the investigation by the police.
In the event of a theft, how long do I have to wait for my claim?
The length of time to finalize your claim is dependent on the completion of the investigation from the police and the certified independent adjuster (appointed by Etiqa General Insurance Berhad) has completed their investigation.
In the case of a total lost (theft or write off), what is the total value of the compensation that I am eligible for?
The total compensation value depends on either the market value, or covered amount(whichever is the lower) at the time of the report. For example: If the market value of your car is RM80,000, and the sum you have insured it for is RM70,000, then the total compensation value RM70,000.
What are the claim options available in case of an accident?
There are three (3) options for you to claim:
- Option 1 (Own Damage): You claim against your own certificate. Impact: You lose your NCD.
- Option 2 (Third Party Claim): You make a claim against a third party insurance company. Impact: Your NCD will not be affected. Eligibility: When it can be proven that the third party is at fault, and if the vehicle involved is not a bus, taxi, motorcycle, diplomatic vehicle, vehicle belonging to a foreigner, or a government vehicle.
- Option 3 (Own Damage – Knock for Knock): You make a claim exactly as in the case of a third party claim; we, as your insurer, will communicate with the third Party’s insurance company. Impact: Your NCD will not be affected.
What are the advantages of taking your car to a Panel Workshop?
If you select a workshop from our panel list, you’ll get:
- Better quality control on repairs.
- You’re assured of genuine replacement parts.
- An extended warranty period of 6 months.
- Panel workshops have own tow-trucks to provide a towing service.
- High standards of service. Low likelihood of fraud.
Click here for our list of Panel Workshop.
How do I make a windscreen repair claim?
If you are in the Klang Valley, simply contact us to initiate the claims process. We will contact our specialized workshops to get in touch with you and make the necessary arrangements.
Do I have to pay first to replace my windscreen?
No. If you use one of our panel workshops, we will pay the workshop directly.
What happens if I have already made my own arrangements to have the windscreen repaired/replaced?
Simply forward us the original bill and/or receipt from the workshop (including photographs of before and after the repair). Once we have received and verified these, we will reimburse you.
What happens if I have no available photographs to present?
You are required to lodge a police report and give us the police report number.
What documents do I need to produce when I make a claim?
You are not required to produce any documents. We will deal with the workshop directly.
What happens to my windscreen cover following a claim?
What happens to my windscreen cover following a claim?
GENERAL QUESTION
What should I do if i’m involved in an accident?
Call our 24/7 hotline 1800 88 6491 immediately for roadside assistance. Our representative will assist you with workshop selection or you may choose your preferred Etiqa panel workshop. Lodge a police report within 24 hours at the nearest police station. Submit the required documents to the selected workshop within 7 days. Track you claim status online via Etiqa+ App or call 1300 88 1007 for assistance.
What is the difference between Takaful and Conventional Insurance?
While the end goals of insurance and takaful are similar (to provide financial cover against risk such as accidents), there are subtle but important differences between the two concepts. While conventional insurance is governed purely for commercial considerations, the takaful system is based on mutual co-operation and shared responsibility. Governed by the Syariah Advisory Council, it must therefore adhere to certain Islamic principles – most importantly of which it must be free from elements of gharar (uncertainty) in respect of contribution and coverage, maisir (gambling) and riba (interest).
How do I get the insurance cover note and road tax for my vehicle if it has been blacklisted?
If your vehicle has been blacklisted for any reason, contact the Department of Road Transport (JPJ) in order to settle any outstanding fines/summons.
What information is sent to the Department of Road Transport (JPJ) during the verification part of the renewal process?
Engine and chassis number of the vehicle being insured, as well as the vehicle owners’ New NRIC (or Old IC), and the start and end dates of period of protection.
E-HAILING
Is this insurance valid for Grab and other e-hailing apps?
Yes. This insurance is suitable for all licensed e-hailing platforms in Malaysia, subject to policy terms.
Can I use this insurance if I drive on multiple platforms?
Yes. Coverage applies regardless of the e-hailing platform you are using.
Does it cover passengers?
Yes. Passenger liability and personal accident coverage are included, subject to limits.
Am I covered when I am not on a trip?
Coverage includes both on-trip and off-trip driving, depending on policy conditions.
What happens if I get into an accident?
You may submit a claim according to policy terms. A standard claims process applies with required documentation.
Is e-hailing insurance compulsory?
Drivers providing e-hailing services are required to have appropriate insurance coverage. This plan helps ensure compliance.
How fast can I get a quotation?
Quotations are available quickly via WhatsApp after submitting your details.
CLAIMS
How do I make a claim without affecting my No Claim Discount?
- The only time you may claim without affecting your NCD is if there is irrefutable proof that the other driver (or third party) involved in the accident is at fault. Make sure that:
- You lodge a police report and ensure that anyone involved does the same as well.
- Fill in a claim form.
- State in the policy report that the third party was at fault.
- Gather all of the third party’s details – name, address, IC, car policy details and vehicle details.
- Claims without affecting your NCD is not applicable with the following situations:
- The accident involves a government owned vehicle.
- The accident involves a diplomat vehicle or a foreigner’s vehicle.
- The accident involves a motorcycle.
- The accident involves bad injuries or death.
Will I lose my NCD if I make a claim?
You will not lose your NCD if the other driver or a third party is at fault. The ultimate determination of the party at fault will be based on the evidence from the investigation by the police.
In the event of a theft, how long do I have to wait for my claim?
The length of time to finalize your claim is dependent on the completion of the investigation from the police and the certified independent adjuster (appointed by Etiqa General Insurance Berhad) has completed their investigation.
In the case of a total lost (theft or write off), what is the total value of the compensation that I am eligible for?
The total compensation value depends on either the market value, or covered amount(whichever is the lower) at the time of the report. For example: If the market value of your car is RM80,000, and the sum you have insured it for is RM70,000, then the total compensation value RM70,000.
What are the claim options available in case of an accident?
- There are three (3) options for you to claim:
- Option 1 (Own Damage): You claim against your own certificate. Impact: You lose your NCD.
- Option 2 (Third Party Claim): You make a claim against a third party insurance company. Impact: Your NCD will not be affected. Eligibility: When it can be proven that the third party is at fault, and if the vehicle involved is not a bus, taxi, motorcycle, diplomatic vehicle, vehicle belonging to a foreigner, or a government vehicle.
- Option 3 (Own Damage – Knock for Knock): You make a claim exactly as in the case of a third party claim; we, as your insurer, will communicate with the third Party’s insurance company. Impact: Your NCD will not be affected.
What are the advantages of taking your car to a Panel Workshop?
- If you select a workshop from our panel list, you’ll get:
- Better quality control on repairs.
- You’re assured of genuine replacement parts.
- An extended warranty period of 6 months.
- Panel workshops have own tow-trucks to provide a towing service.
- High standards of service. Low likelihood of fraud.
Click here for our list of Panel Workshop.
Windscreen Claims
How do I make a windscreen repair claim?
If you are in the Klang Valley, simply contact us to initiate the claims process. We will contact our specialized workshops to get in touch with you and make the necessary arrangements.
Do I have to pay first to replace my windscreen?
No. If you use one of our panel workshops, we will pay the workshop directly.
What happens if I have already made my own arrangements to have the windscreen repaired/replaced?
Simply forward us the original bill and/or receipt from the workshop (including photographs of before and after the repair). Once we have received and verified these, we will reimburse you.
What happens if I have no available photographs to present?
You are required to lodge a police report and give us the police report number.
What documents do I need to produce when I make a claim?
You are not required to produce any documents. We will deal with the workshop directly.
What happens to my windscreen cover following a claim?
If you repair the windscreen only, you’re still covered – but with a lower total claimable value. For example, if your insured sum is RM1,000, and the repair cost is RM250, you’re still covered to the tune RM750 till the expiry of the policy.
Download Documents
Free Courtsey Car After an Accident Claim
Flyer Private Car Insurance (Add-On)
Private Car Insurance Policy Contract
Product Disclosure Sheet Private Car Insurance
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ETIQA+
“Aplikasi serba lengkap dengan penyelesaian pantas dan mudah – semua keperluan perlindungan anda kini dalam satu aplikasi!”
The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa or PIDM (visit www.pidm.gov.my).
