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SmartDrive premium is calculated according to the Motor Tariff prescribed by Persatuan Insurans Am Malaysia ('PIAM'), and all insurers in Malaysia are required to use the same basis of pricing. This pricing is governed by several factors such as the type of coverage, use of vehicle, cubic capacity, age of vehicle, sum insured, extended coverage and number of authorized drivers.
Newly purchased vehicle: The insured value should be equivalent to the purchase price.
Previously registered vehicle: The insured value should be equivalent to the 'market value'. Car magazines, local dealers or Insurance Services Malaysia (ISM) are good sources of information.
Alternatively, you can contact AXA Customer Service at 03-2170 828203-2170 8282 for assistance in determining the insured value of your car.
Please ensure you have the following information, which are available in your Vehicle Registration Card before applying online:
- Vehicle Registration Number
- Vehicle Registration Card Number
- Engine Number
- Chassis Number
SmartDrive only offers a comprehensive coverage which offers the widest form of coverage. The policy covers loss or damage to or theft of the vehicle and the liability to third parties for death or bodily injury as well as damage to property.
Currently, you can only insure your Private Car with SmartDrive .
If you are insured under a comprehensive coverage for 12 consecutive months with no claim made on your policy, either by yourself or a third party, you will be entitled to a No Claim Discount (NCD) upon renewal of your policy.
The percentage of your NCD increases with the number of claim free years (refer to the NCD table below).
|Period of Insurance||NCD % for private car|
|After the 1st year of insurance||25%|
|After the 2nd year of insurance||30%|
|After the 3rd year of insurance||38.33%|
|After the 4th year of insurance||45%|
|After the 5th year or more of insurance||55%|
Your NCD will revert back to 0%, if you or a third party has made a claim on your SmartDrive during the period of cover, with the exception of extended cover for Windscreen and No-fault Own Damage claims.
Please contact AXA Customer Service at 03-2170 828203-2170 8282 if you need to make a No-fault Own Damage claim against your policy.
If you are buying a car for the first time, you will not enjoy NCD on your SmartDrive for the first year. However, when you have at least one claims-free year, you will be rewarded with a 25% NCD on your premium upon renewal.
If you are changing your car, your NCD can be transferred to the new car you are purchasing. If you do not transfer your NCD to another car, your NCD entitlement level will drop one level each year, until it reaches 0%.
However if you are purchasing an additional car, you cannot apply your NCD to both cars - you will need to build up a new NCD on one of the cars. You are also not allowed to transfer your NCD to another person.
Yes, to enhance your standard cover, you may add any of the additional coverage listed below:
- Driver's & Passengers' Personal Accident (DPPA)
- Breakage of glass in windscreen, window or sunroof
- Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
- Legal liability of passengers for negligent acts
- Legal Liability to Passengers
- Vehicle accessories
- Strike, riot and civil commotion
- Compensation for assessed repair time
- Gas conversion kit and tank
- Extension to Thailand
- No Claim Discount (NCD) relief
- Named driver
- Unnamed driver
Yes, special consideration applies to selected vehicles such as 4 wheel drives (4WD), luxury vehicles and sports/coupe models which result in higher loading and/or higher excess.
An 'excess' is the amount of loss you have to bear before the insurer will pay for the balance of your vehicle damage claim.
For example, if your SmartDrive excess is RM200, you will have to pay for the first RM200 of any claim. You are not entitled to claim for an accident that results in damage below this amount. Excesses help to keep insurers' administration costs lower by reducing the number of small claims, which in turn allow insurers to offer you with lower premiums.
Excess levels are set at the discretion of the insurer. There are two types of excess levels:
'Compulsory Excess' of RM400 is applicable if your vehicle is driven by a person:
- who is under the age of 21 years
- who is the holder of a Provisional Driving Licence (L-Licence)
- who is the holder of a Probationary Driving Licence (P-Licence)
- who is not named in the Schedule
- named in the Schedule who is less than the age of 21 years and/or the holder of a Provisional Driving Licence (L-Licence) and/or the holder of a Probationary Driving Licence (P-Licence)
'Other Excess' will be stated in the Schedule, where applicable.
It depends as different terms may have to be applied if you have made claims (excluding Windscreen and Knock-for-Knock claims) during the past 3 years. The most commonly used factors are your age, cubic capacity (engine CC), specific claims experience of your vehicle and re-conditioned vehicle. AXA can apply a loading on you to ensure that the amount charged commensurate with the risk borne.
|Local||Vehicles that are locally assembled|
|Import||Vehicles that are assembled overseas and shipped to Malaysia|
|Registered||Existing owned car|
|New Registration||Insuring a new car i.e. getting a road tax for the first time|
|Registered - Transfer Owner||Insuring a used car i.e. getting an existing road tax transferred to your name for the first time|
You may refer to your vehicle registration card to obtain this information.
|Private Use||Use only for the following purposes: social, domestic and pleasure|
|Business Use||Use only for the following purposes: social, domestic, pleasure and business specifically in relation to the Company|
This is the widest form of cover. The policy covers loss or damage to or theft of the vehicle and the liability to third parties for death or bodily injury as well as damage to property.
Examples of covers for loss or damage to the vehicle under the policy are:
- Accidental Collision
- Fire, explosion or lightning
- Burglary, house breaking, theft
- Malicious Act
There is a link in the webpage that automatically directs you to the ISM system where you would be able to check your NCD level.
You became aware that the NCD level provided by ISM was inaccurate:
Scenario 1: BEFORE making payment
You can proceed with the payment based on the inaccurate premium displayed and subsequently write to firstname.lastname@example.org for a refund. AXA will refund the difference to you by crediting your Credit Card within 10 working days, upon correction and confirmation with ISM.
Scenario 2: AFTER making payment
Please write to email@example.com for a refund AXA will refund the difference to you by crediting your Credit Card within 10 working days, upon correction and confirmation with ISM.
Please contact AXA Customer Service at 03-2170 8282 should you require any assistance.
Please call AXA Customer Service for assistance at 03-2170 8282 from 9am to 5pm, Monday to Friday (excluding Public Holidays) or write to firstname.lastname@example.org
If your car insurance is due within today or tomorrow, please drop-by at your nearest AXA branch to avoid any delays in renewing your car insurance policy.
This refers to the maximum amount that an insurance company will pay out in the event of a claim. When selecting the sum insured, you should:
(i) Make a selection equivalent to the market value; and
(ii) Make the necessary allowance for any anticipated decrease in value during the year.
You may also click on "Check Vehicle Sum Insured" to reconfirm your vehicle market value.
"Policy Commencement Date" is the date (not earlier than the current date) that you would like to insure your vehicle and "Policy Expiry Date" is one year after the "Policy Commencement Date".
"Usual Parking Location" refers to the frequent area where you park your car.
This refers to airbags and anti-lock braking system (ABS) that minimizes the occurrence and consequences of road accidents.
This refers to a device installed on a vehicle to prevent thefts. For example, mechanical locks on the steering wheel or an alarm system.
Driver's & Passengers' Personal Accident (DPPA)
This is a separate policy that provides protection to both you and your passengers against bodily injury in the event of a road accident. The benefits include Death, Permanent Disablement and Medical Expenses.
Breakage of glass in windscreen, window or sunroof
This cover provides protection against the breakage of glass in windscreens, windows and sunroofs. Your No-Claims Discount (NCD) will not be affected if this additional coverage is extended.
Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
This cover provides protection against damage to your car caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved.
Legal liability of passengers for negligent acts
This cover provides protection against any legal liability acts of negligence brought against your Passengers.
Legal liability to passengers
This cover provides protection against any legal liability brought against you by any of your Passengers. (This coverage is compulsory if you drive your car in Singapore.)
This cover provides protection against loss or damage to specific accessories that are not fitted by the manufacturer of the vehicle. Examples of vehicle accessories are stereo players and sports rims. Your No-Claims Discount (NCD) will not be affected if this additional coverage is extended.
Strike, riot and civil commotion
This cover provides protection against loss or damage to your car caused by strike riot and civil commotion.
Compensation for assessed repair time
This additional coverage may only be extended for comprehensive private car policies. This cover provides benefits following a claim (including Own Damage Claim [excludes windscreen, theft and total loss], Own Damage Knock-for-Knock and Third Party Claim).
The benefit payable is based on the loss adjuster's assessment of the time required for repairs and NOT for the period of time the car is laid up at the workshop. AXA's determination of the assessed repair time required shall be final.
The benefit is payable for partial losses (excluding windscreen, theft and total loss) of the insured vehicle based on the following scale:-
Vehicle Type Aggregate days of claim at any one policy Amout per day RM RM RM Private Car 7, 14 or 21 50.00 100.00 200.00 Commercial Vehicle 7, 14 or 21 100.00 200.00 300.00 Additional Premium: 10% of the aggregate sum insured
Gas conversion kit and tank
This cover provides protection for the gas conversion kit and tank against loss or damage. Any claim made under this endorsement will not affect your No Claim Discount (NCD) entitlement and you shall not be liable for any specified excess as stated in the Policy.
Extension to Thailand
This cover extends the geographical area of the policy to the Kingdom of Thailand (excluding Third Party Bodily Injury). A standard motor policy's geographical area is limited to Malaysia, Republic of Singapore and Brunei Darussalam.
No Claim Discount (NCD) Relief
This additional coverage may only be extended for Comprehensive Private Car policies. This cover provides protection against the loss of "No Claim Discount" (NCD) following a claim.
This cover allows you to include additional named driver/s with a premium of RM10 per named person. A standard policy allows two named drivers (including the insured if the insured is driving) to the policy free of charge.
This coverage is applicable only for private cars registered under a company/organization. This cover allows any authorized person(s) to drive your car.
Upon successful payment of the premium, a confirmation email, which includes the official payment e-receipt and policy schedule, will be sent to you immediately. At the same time, your eCover Note information will be transmitted to JPJ for your road tax renewal.
You are advised to log in and try again later to ensure a safe and secure transaction.
You should take down the vehicle registration number(s) of vehicle(s) involved and the name(s) of the other person(s) involved in the accident. Do not admit liability or make any offer to a third party. If you have a camera with you, it is a good idea to take photographs of the accident scene.
A police report must be lodged within the next 24 hours at the nearest police station of the accident site. You can call AXA's nearest panel repairer for immediate assistance or you can notify AXA immediately by submitting the motor claims form or windscreen claims form.
Click here for a step-by-step guide on making a claim.
Once all the necessary documentation have been obtained and there are no outstanding matters, AXA aims to provide payment within 5 working days.
For further assistance, please call AXA Customer Service at 03-2170 8282 from 9am to 5pm, Monday to Friday (excluding Public Holidays) or write to email@example.com
AXA will provide a reply within 1 working day.
- This document is for general information and is not to be construed as a contract of insurance. The precise terms, conditions and definitions of the insurance plan are specified in the policy contract issued by AXA AFFIN General Insurance Berhad (23820-W).
- This insurance product is obligation only of the insurance company. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citibank N.A, CitiGroup Inc. or any of its affiliates or subsidiaries.
- You should satisfy yourself that this insurance product will best serve your needs and objectives, and that the premium payable under the policy contract is an amount you can afford.
- This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank N.A, CitiGroup Inc. or any of its affiliates or subsidiaries for application of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorized or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
- This document also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such a document.
- This insurance plan is underwritten by AXA AFFIN General Insurance Berhad (23820-W).