E-HAILING INSURANCE

Coverage for All E-Hailing Platforms

Drive with confidence knowing you are properly protected while providing e-hailing services. Our E-Hailing Insurance is designed for private vehicles used on any licensed e-hailing platform in Malaysia.

Whether you drive part-time or full-time, this plan provides the right protection while you earn on the road.

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WHY THIS 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.

Covers driver, passengers & third parties

Fast quotation via WhatsApp

Affordable premium options

Valid for e-hailing usage

On-trip & off-trip coverage

SUPPORTED E-HAILING PLATFORMS

This insurance is suitable for vehicles operating on:

Grab

AirAsia Ride

InDrive

Maxim

Ryde

EzCab

Bolt

Any licensed e-hailing platform in Malaysia

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*Coverage applies regardless of platform, subject to policy terms

COVERAGE HIGHLIGHTS

Driver & Passenger Protection

  • Personal accident benefits

  • Medical expenses (subject to limits)

  • Passenger liability coverage

Vehicle Coverage

  • Accidental damage
  • Fire and theft
  • Third-party property damage

Third-Party Liability

  • Bodily injury or death

  • Damage to third-party property

WHO IS THIS FOR?

  • E-hailing drivers (part-time or full-time)
  • Private vehicle owners
  • Drivers operating on multiple platforms
  • Drivers seeking proper & compliant coverage

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

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Plan 2

Best

Standard E-Hailing Coverage

Balanced protection for regular drivers

  • All Basic coverage
  • Own damage (accident)
  • Fire & theft
  • Driver personal accident

👉 Most popular choice

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Plan 3

BEST

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

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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

Yes. This insurance is suitable for all licensed e-hailing platforms in Malaysia, subject to policy terms.

Yes. Coverage applies regardless of the e-hailing platform you are using.

Yes. Passenger liability and personal accident coverage are included, subject to limits.

Coverage includes both on-trip and off-trip driving, depending on policy conditions.

You may submit a claim according to policy terms. A standard claims process applies with required documentation.

Drivers providing e-hailing services are required to have appropriate insurance coverage. This plan helps ensure compliance.

Quotations are available quickly via WhatsApp after submitting your details.

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.
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).
If your vehicle has been blacklisted for any reason, contact the Department of Road Transport (JPJ) in order to settle any outstanding fines/summons.
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.
  • 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

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.

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.
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.
  • 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.
  • 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.

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.

No. If you use one of our panel workshops, we will pay the workshop directly.

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.
You are required to lodge a police report and give us the police report number.
You are not required to produce any documents. We will deal with the workshop directly.

What happens to my windscreen cover following a claim?

GENERAL QUESTION

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.
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).
If your vehicle has been blacklisted for any reason, contact the Department of Road Transport (JPJ) in order to settle any outstanding fines/summons.
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

Yes. This insurance is suitable for all licensed e-hailing platforms in Malaysia, subject to policy terms.

Yes. Coverage applies regardless of the e-hailing platform you are using.

Yes. Passenger liability and personal accident coverage are included, subject to limits.
Coverage includes both on-trip and off-trip driving, depending on policy conditions.

You may submit a claim according to policy terms. A standard claims process applies with required documentation.

Drivers providing e-hailing services are required to have appropriate insurance coverage. This plan helps ensure compliance.

Quotations are available quickly via WhatsApp after submitting your details.

CLAIMS

  • 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.
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.
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.
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.
  • 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.
  • 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

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.

No. If you use one of our panel workshops, we will pay the workshop directly.

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.
You are required to lodge a police report and give us the police report number.
You are not required to produce any documents. We will deal with the workshop directly.
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

*Plans shown are for illustration purposes. Coverage and premium vary based on vehicle details, usage, and underwriting approval.

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QUOTATION KENDERAAN (E-HAILING)

Underwritten by Etiqa General Insurance Berhad (197001000276)

(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)

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 General Insurance Berhad or PIDM (visit www.pidm.gov.my).

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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).

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