When’s the last time you actually checked your motor insurance policy? For many Malaysians, the answer is probably never, until they’re stranded on the highway or facing a repair bill that burns a hole in their pocket.
The truth is, a lot of us think insurance is just about renewing once a year. But thousands of vehicles in Malaysia are still uninsured, and based on VTAREC’s study of 740,000 accident cases in 2023, only 40% were filed for insurance claims. That means many drivers were left unprotected when things went wrong.
So here’s the wake-up call: insurance is not just paperwork. It’s about whether you and your car are really covered when life hits you with the unexpected.
5 Insurance Details Every Malaysian Should Check
- Roadside Assistance
Don’t panic next time you’re stuck on the road. Many comprehensive policies already include 24/7 roadside assistance — sometimes accessible via an app. Know how to activate it. - Life Changes = Policy Changes
Just got married? New car? Sharing your ride with your spouse? If your policy doesn’t reflect your new lifestyle, you might not be protected. - Comprehensive ≠ Everything
“Comprehensive” sounds like it covers all, but not always. Double-check if natural disasters, car theft, or custom parts are included. - Small Accidents, Big Costs
A “minor” fender bender could mean pricey repairs thanks to sensors, cameras, and smart tech in modern cars. The right plan saves you from paying out of pocket. - Policy Accessibility
Emergencies don’t wait for you to dig through a glove box. Keep your insurance digital, so you can claim, request help, and track updates instantly from your phone.
Liberty’s Digital Roadside Assistance
The good news? Insurance is evolving. Liberty General Insurance offers Digital Roadside Assistance (DRA) through its apps (Liberty Insurance, Kurnia Insurans, AmAssurance). With just one tap, you can:
- Request roadside help
- Track your assistance in real time
- Manage your claims from your phone
It’s insurance that actually fits the digital lifestyle of Malaysian drivers today.