Reliable E-Hailing Car Insurance in Malaysia with Key Plus
Key Plus e-Hailing Car Insurance is specifically for drivers in the gig economy who drive their own private cars while providing e-hailing services with Grab, inDrive, Maxim, or AirAsia Ride. If you're already transporting passengers or considering entering the e-hailing arena, our e-hailing insurance has you covered for every journey. You're insured from the instant you accept a ride request until your passenger reaches their destination.
This type of coverage steps in where standard personal auto insurance falls short, offering you reassurance, adherence to the law, and dependable safeguards while you are on the road. With Key Plus, you can also compare plans from multiple insurance companies side by side, helping you find the most suitable coverage at the best value for your budget.
What is E-Hailing Insurance?
E-hailing insurance is an add-on coverage that protects you when you use your car for e-hailing work on platforms like Grab, inDrive, Maxim, or AirAsia Ride.
It covers accidents that happen during e-hailing trips, something normal private car insurance does not cover, ensuring your claims are valid while you are working on the road.
It is required for all e-hailing drivers in Malaysia, making you fully compliant, protected, and legally allowed to pick up passengers.
E-Hailing Insurance in Malaysia Features
| Category | Normal (Private) Car Insurance | E-Hailing Car Insurance |
|---|---|---|
| Purpose of Use | Covers private/personal driving only | Covers both personal use and e-hailing work (Grab, inDrive, Maxim, AirAsia Ride) |
| Coverage During Trips | Does not cover accidents during e-hailing jobs | Covers accidents during e-hailing (accepting job → picking up → drop-off) |
| Claim Validity | Claims may be rejected if accidents happens while working | Claims remain valid during all e-hailing activities |
| Premium | Standard premium based on NCD, engine size & sum insured | Slightly higher premium; added as an e-hailing add-on |
| Personal Accident Requirement | Not required | Many insurers require e-hailing PA coverage (RM10,000–RM100,000) |
| Third-Party Liability | Private use only | Extended to cover e-hailing/commercial use |
| Puspakom Requirement | Not required | Some platforms require Puspakom inspection depending on the vehicle & region |
| Extra Benefits | Basic coverage only | May include cash allowance, replacement car for e-hailing, 24/7 priority towing |
Purpose of Use
Normal (Private) Car Insurance
Covers private/personal driving only
E-Hailing Car Insurance
Covers both personal use and e-hailing work (Grab, inDrive, Maxim, AirAsia Ride)
Coverage During Trips
Normal (Private) Car Insurance
Does not cover accidents during e-hailing jobs
E-Hailing Car Insurance
Covers accidents during e-hailing (accepting job → picking up → drop-off)
Claim Validity
Normal (Private) Car Insurance
Claims may be rejected if accidents happens while working
E-Hailing Car Insurance
Claims remain valid during all e-hailing activities
Premium
Normal (Private) Car Insurance
Standard premium based on NCD, engine size & sum insured
E-Hailing Car Insurance
Slightly higher premium; added as an e-hailing add-on
Personal Accident Requirement
Normal (Private) Car Insurance
Not required
E-Hailing Car Insurance
Many insurers require e-hailing PA coverage (RM10,000–RM100,000)
Third-Party Liability
Normal (Private) Car Insurance
Private use only
E-Hailing Car Insurance
Extended to cover e-hailing/commercial use
Puspakom Requirement
Normal (Private) Car Insurance
Not required
E-Hailing Car Insurance
Some platforms require Puspakom inspection depending on the vehicle & region
Extra Benefits
Normal (Private) Car Insurance
Basic coverage only
E-Hailing Car Insurance
May include cash allowance, replacement car for e-hailing, 24/7 priority towing
The 4 Requirements to obtain e-hailing car insurance
1. You must have an active comprehensive car insurance policy
(E-hailing insurance is an add-on, not a standalone policy.)
2. You must hold a valid PSV licence (Public Service Vehicle licence)
This is mandatory for all e-hailing drivers.
3. Your vehicle must be eligible for e-hailing use
Typically under 15 years old, privately registered, and in good condition.
4. You must be registered with an approved e-hailing platform
Such as Grab, inDrive, AirAsia Ride, or Maxim.
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