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In Malaysia, it is a legal requirement for all vehicle owners to have a motor insurance. At Tune Protect, we offer comprehensive online motor insurance plan to protect vehicle owners from financial losses in the event of an accident, auto theft, third party property damage, and liability involving third party injuries. Enjoy the flexibility of adding on coverage for additional drivers, windscreen protection, spray paint coverage and more when you make your purchase online. Tune Protect Auto-Assist is a 24/7 emergency service that all Tune Protect Motor Easy customers are entitled to.

Renew or apply for your motor insurance plan online and enjoy a 10% rebate with your plan.

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Frequently Asked Questions

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Private Car insurance is a mandatory legal requirement in Malaysia. Tune Protect Motor Easy is the ideal plan that provides you with comprehensive financial protection in the event of your vehicle is damaged. It also provides cover for injuries to other drivers, pedestrians, and their property, due to your negligence. Tune Protect Motor Easy offers comprehensive benefits that provides for you financially if you’re involved in an accident.

This policy covers loss or damage to your own vehicle due to accidental fire, theft or accident; and third party liabilities such as death or bodily injury caused to another person and loss or damage of someone else’s property.

You can choose to purchase add-on benefits such as cover for Windscreen Damage, Passenger Liability, and Special Perils such as flood, windstorm, rainstorm, typhoon, hurricane, volcanic eruption, earthquake, landslide, and subsidence, strike, riot and civil commotion.

Note: The above optional benefits are for Private Car only. It is an offence under the laws of the Republic of Singapore to enter the country without extending passenger liability cover to your motor insurance.

Duration of the coverage is for one year. You need to renew your insurance policy annually. It is advisable to tally the coverage period of the insurance with your road tax.

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The total premium that you have to pay may vary depending on the No Claim Discount (NCD) entitlement, optional benefits selected and the underwriting requirements of the insurance company. This sum insured would be based on the current market value of your vehicle according to ISM Automotive Business Intelligence System (ISM-ABI).

Additional to the premium, you will need to pay GST 6% of the total premium and stamp duty of RM10.00.

• Importance of Disclosure
You must disclose all material facts such as previous accidents and modification to engines. Failure to do so may lead to the cancellation of your policy.

• Sum Insured
You must ensure that your vehicle is insured adequately.

• The Excess
Compulsory Excess and Other Excess is the amount that you are required to pay in the event of a claim.

• Cash Before Cover
The premium due must be paid and received by Insurance Company before the cover commences. The insurance is automatically null and void if this condition is not complied with.

• Change of Risk Details
You must inform us in writing on any material changes during the policy period so that the necessary amendments are endorsed into your policy.

This policy does not cover certain losses such as:

• Policyholder's death or bodily injury due to a motor accident;
• Policyholder's liability against claims from passengers in your vehicle; and
• Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide.

(Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy).
Malaysians or Residents who have a permanent address in Malaysia, age between 18 to 99 years old with a valid driving license.

You may cancel your policy at any time by giving a written notice to the insurance company. Upon cancellation, you are entitled to a refund of the premium, provided there is no claim made. A minimum premium of RM50 will be retained and the balance calculated on short-period rates or pro-rata.

It is important that you inform us of any changes in your contact details to ensure all correspondence reach you in a timely manner. You can update your contact details though email at hello.my@tuneprotect.com .

It is essential to insure your vehicle at the market value and not any value you choose to avoid over-insurance or under-insurance.

Over-insurance occurs when you insure your vehicle for a sum higher than the market value. In the event of a claim, the insurance company will only pay you the market value of your vehicle. If you over-insure your vehicle, you risk having paid higher but unnecessary premiums.

Under-insurance occurs when your sum insured of your vehicle is lower than the market value. In the event of a claim, the insurance company will only pay the cost up to the total sum insured and you will have to pay for the difference of the total repair cost yourself. E.g. if you insured your vehicle up to 80% of the market value, the insurance company will only pay 80% of the total repair cost. You will need to settle the remaining 20% of the cost yourself.

Third Party coverage is limited to death, injury or damage of property to the third party involved in an accident involving your car. Tune Protect Motor Easy is a comprehensive policy that covers a host of benefits, including third party coverage, which cannot be separated.
The NCD quoted is different if there is a claim lodged or if there is an NCD withdrawal to transfer to another car requested by the insured. Alternatively, you can also check your current NCD rate via https://www.mycarinfo.com.my/NCDCheck/Online .
Tune Protect Ride Easy is an insurance product designed to protect the insured, driver and/or passenger(s) in the event of a bodily injury arising from an accident, which results in death or disablement. It covers all persons riding or driving the private vehicle named in the policy. You may add on Tune Protect Ride Easy benefits (Passenger PA Coverage) into your Tune Protect Motor Easy plan.
You may renew at any nearest Jabatan Pengangkutan Jalan (JPJ) throughout Malaysia and even in Tune Protect's main office at Level 8, Wisma Tune, 19 Lorong Dungun Damansara Heights, 50490 Kuala Lumpur.
There is no difference in the list of benefits offered through the policy however online purchases of Tune Protect Motor Easy are entitled to a 10% rebate off the total premium.
Yes, you may contact Tune Protect Auto Assist at 1800-22-8863 24 hours a day, 7 days a week. In cases of an accident, make a police report to the nearby police station within 24 hours of the accident. Be sure to snap photos of the damaged parts of your vehicle for record of insurance claims.

You can choose to submit your third party claim to the person’s insurance company if you plan to claim for the party at fault or, if you have a comprehensive policy, you may submit your third party claim to your own insurance company. If you submit the claim to your own insurance company, you will not lose your NCD and the claim will be processed more speedily as the company already has your background information.

This is in line with the principle of indemnity. Your insurance policy will indemnify your loss/damage by putting you back to the similar position just before the accident. You therefore cannot 'profit' from an insurance settlement. When the damaged vehicle is repaired, it is restored to the condition before the accident. Hence, the issue of depreciation should not arise.

In a chain collision accident, if there is damage to your vehicle (the procedure is not applicable for deaths and bodily injuries) you should claim from the insurance company of the vehicle immediately behind you and you will not lose your NCD. If your vehicle is the last vehicle in the chain collision, you will not be able to make any claim against the other vehicles involved. However, you can make a claim to cover your own vehicle damage from your insurance company if you have a comprehensive cover.

An insurance policy is a contract between the insurance company and the policy owner. If the policy owner fails to report to the insurance company about an accident, the insurance company will not be able to entertain the claim made by any third party as the company has no contract with the third party.

Therefore, the third party insurance company will only be responsible for handling your claim if its policy owner has requested it to step into his/her shoes for the loss or damage caused by him/her in the accident.

However, for the convenience of the general public, insurance companies have agreed to entertain third party claims even though their policy owners fail to make a report. You need to submit the claim for the consideration of the insurance company consideration within 14 days from the date of the accident, together with the following documents:


a) a copy of your police report;
b) a copy of the policy owner's police report, if available;
c) if (b) is not available, your Statutory Declaration stating the circumstances of the accident and identifying the policy owner's vehicle as a party to the accident; and
d) a copy of the police investigation report or a notification by the police as evidence that the insurance company's policy owner was at fault.
The insurance company will normally pay a theft claim within six months or when the police investigations have been completed, whichever is earlier. The time is required for the insurance company as well as the police to conduct their investigations and for the possibility of vehicle recovery during the investigation.

(a) A car lent to a friend who subsequently 'disappeared' with the car.

(b) A car that is advertised for sale and one of the potential buyers takes the car for a test drive and fails to return it.
Such scenarios are not claimable as these cases are deemed to be acts of criminal breach of trust and cheating. There is also negligence on the part of the car owner in not exercising due care as to whom the property has been entrusted to.

(c) A car used for hire or reward.

Loss or damage arising from such cases are not payable as these are excluded under the Private Car Insurance Policy.

Our Comprehensive Private Car is limited to vehicles with a cubic capacity up to 2,500 and aged below 15 years. Vehicle make and model that are not eligible for the policy are:

• Toyota – Land Cruiser, Harrier, Hilux, Alphard, Vellfire and Fortuner
• Mitsubishi – Triton and Storm
• All sports models and high-performance vehicles such as Nissan Skyline GTR, Aston Martin, Ferrari, Porsche, Maserati, Lamborghini, Lotus, Bentley, Rolls Royce, Nissan Fair Lady, Mitsubishi Lancer Evolution, All GT-R Models and Subaru Impreza