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, windscreen cover, or FlexiDrive for even more savings and safety benefits

  • Fast Forward your claims in 4 working days

    Claims below RM5000 approved in 4 working days* upon full submission of documents.

    Claims RM5000 & above approved in 6 working days* upon full submission of documents.
    - Excluding claims under further investigation and claims with severe vehicle damage.

  • 24/7 emergency road assistance

    24 hour hotline service for car breakdown and towing services

  • Repair warranty

    6-month warranty for all repairs by our Panel Repairer

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