Risk-based Car Insurance Plan

With motor detariffication now in effect, you can enjoy better premium rates if you have a safer risk profile.

SmartDrive Enhanced Private Car

SmartDrive Enhanced lets you pay a premium that reflects your risk profile, and select add-on options and benefits for enhanced protection on-the-road, while still enjoying all the comprehensive benefits of AXA Motor Insurance.

Want to learn more about how motor insurance detariffication in Malaysia will affect you? Find out by clicking here

Key benefits explained
  • Risk-based pricing (detariffed rates)

    Enjoy potentially lower premium if you have a safer risk profile

  • More add-on options and benefits

    Options to add-on coverage for flood, landslide or windscreen cover.

  • Fast claims approval

    AXA Preferred Workshop
    3 working days for claims below RM10,000*
    6 working days for claims RM10,000 & above*

    AXA Panel Workshop
    4 working days for claims below RM5,000*
    6-8 working days for claims RM5,000 & above*

    * Excluding claims under further investigation and claims with severe vehicle damage.

  • 24/7 emergency road assistance

    Call our 24 hour hotline; 1-800-88-1033 for vehicle accidents and breakdown assistance

  • Repair warranty

    Enjoy a 12 month warranty for repairs by our Preferred Workshops and 6 month warranty at our other Panel Repairers.

Interested in this product?
What we do not cover

1. Death or injuries to policyholder, unless Smart Protection insurance is purchased

2. Damage caused by flood, unless extended coverage for flood is purchased

3. Damage to vehicle caused by use in motor sports or competition

For the full list of Benefits and Exclusions, kindly refer to our Policy Wording, available for download below.

Important Product Details
Underwritten by AXA Affin General Insurance Berhad