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Malaysia Motor Insurance Premium Calculator

Check your vehicle value here:

(i) www.TheCar.com.my

(ii) ism.net.my (Use Internet Explorer)

(iii) The Star Classifieds

Please enter only numeric figures
Please Enter figures into this column
Figures in this column will be calculated automatically
How much is your Vehicle Sum Assured (RM)
What is the Cubic Capacity (CC) of your vehicle?
How much No Claims Discount (NCD) are you entitled to? Please state percentage (%)
How many passengers can your vehicle carry legally? Please enter number. (E.g. For Kancil owners, input "5")
Would you like to have any extra coverage? Please check below:

a) Legal Liability to Passengers
(25% of third party premium + RM 10.00 per additional passenger [exceed 5])
b) Legal Liabililty for Passengers Act of Negligence
(RM 7.50 per vehicle)
c) Strike, Riot & Civil Commotion
(0.3% of vehicle sum insured)

d) Flood
(0.5% of vehicle sum insured)
e) Windscreen
(15% of windscreen sum insured) Please state amount (RM)
f) Radio Cassette
(15% of radio cassette sum insured) Please state amount (RM)
Audio Cassette/CD Player
g) Additional Named Driver
(RM 10 per additional driver – apart from first 2 drivers) i.e if there is a 3rd driver, then select 1, if there is a 4th driver then select 2, and so on.
Additional Named Driver
Click the "Calculate" button to update the figures below
Gross Premium RM
Stamp Duty
RM 10.00
Total Premium Payable RM

The above rates/premium payable is NOT applicable if:

1. Vehicles are above 5 years old.
2. For van, lorry, reconditioned vehicles, modified or sports model.
3. For high performance vehicles (Example: Ferrari, Porsche, etc).
4. For 4WDs except for Perodua Kembara and Suzuki Vitara
5. Luxurious vehicles (eg Rolls Royce, Mercedes Benz, BMW, Volvo, Jaguar, Lexus)
6. Vehicles with sum insured exceeding RM 150,000.


Calculations shown are for estimation purpose only. Actual values and figures might differ according to insurer’s policy. Meshio.com shall not be held liable for any inaccuracy of calculations.


  1. Calculations shown are for illustration purpose only. Actual values and figures might differ according to insurer’s policy. Meshio.com shall not be held liable for any inaccuracy of calculation

    Comment by Porsche Blog — December 1, 2008 @ 5:00 pm

  2. I just knew about MMI after an Unser met accident with Mutiara's Bus in K.Krai, Kelantan on 30.11.08. I want to know how to become as an agent with ur co.

    Comment by puitionghoo — December 6, 2008 @ 10:20 pm

  3. What kind of insurance agent you want to register? Life or non life?

    Comment by natasa — January 3, 2009 @ 5:24 pm

  4. Non Life insurance.

    Comment by PUI TIONG HOO — March 2, 2009 @ 9:18 pm

  5. nice info in this site, I got many information here

    Comment by rental insurance — March 13, 2009 @ 2:48 pm

  6. I really think this calculator is helpful. Calculating your how much your premium will help auto owners know how much they can damage. lol…

    Comment by fourby4 — April 4, 2009 @ 2:05 pm

  7. This jz same with Insurance calculation system,but is work to me,thanks!

    Comment by Lost Elf — August 26, 2009 @ 9:53 am

  8. I agree with what you say….. toronto limousine

    Comment by jacus — December 6, 2009 @ 1:51 am

  9. saya beli keta kancil thn 2001…insurance selayaknyer berape…? NCD saya berapa masa beli ?…boleh kah 55% thanks

    Comment by mantoba — December 6, 2009 @ 12:47 pm

  10. i can easily calculate the premium for my examination execise..thanks a lot…..

    Comment by anor noqido — November 13, 2010 @ 2:06 pm

  11. kalo xpenah buat claim NCD mesti 55%

    Comment by Azfaryuu — January 17, 2011 @ 9:24 am

  12.  Like your idea. Visit: http://www.torontolimousineservices.com/index.htmhttp://www.torontolimousineservices.com/index.htm

    Comment by Toronto Wedding Limousine — May 13, 2011 @ 11:30 am

  13.  Visit: http://www.torontolimousine.ca/http://www.torontolimousine.ca/

    Comment by Wedding Limousine Toronto — May 14, 2011 @ 8:45 am

  14.  Good post, checked out http://www.torontolimo.ca/index.html for best reason to visit Toronto. for best reason to visit Toronto.

    Comment by Wedding Limo Toronto — May 17, 2011 @ 9:03 am

  15. If you meet with a Car accident, without any fault of yours, which causes you serious personal injury and major vehicle damages then you should file a car accident compensation claim. Car accident compensation claim will enable you to acquire money from the guilty party, who is responsible the accident, to pay for the personal injury medical expenses as well as for the damages caused to your vehicle.Car accident compensation is rewarded only after judging the level of damages that you have suffered, such as physical injuries, car damages, loss of work, etc. Getting car accident claims is not so easy. You need to appoint a very good accident lawyer to fight your case. To claim for your damages you require proving that the accident was actually was not your fault but was caused by the other party’s negligence. Your accident attorney will guide you about how to make a personal injury negligence claim.

    Comment by car accident — June 13, 2011 @ 11:49 am

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    Pingback by Pengiraan Kadar Premium Insurans Takaful Kenderaan | Takaful-Smart-Medic-100-Guide — June 19, 2011 @ 2:49 pm

  17. This is good to calculate the premiums! Thanks for that! 

    Comment by Bob Shah — December 5, 2011 @ 2:06 am

  18. I want to know how to become as an agent with your company

    Comment by Aaron Thain — April 29, 2012 @ 8:43 am

  19. nak tanya,kalau saya thn pertama byr insurans,tanpa claim apa2 lagi,adakah NCD saya 25% ?

    Comment by mimie — May 3, 2012 @ 6:11 pm

  20. this calculator mentioned for vehicles below 5years only. My car purchased on 2002. So how much do i need to add?

    Comment by max — May 5, 2012 @ 2:11 pm

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