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We are a digital platform that sieves through the many offers out there and finds the best deals for you. We go through the fine print to ensure what we propose is of the best value and experience for you. Why pay more when you don't have to!

Our first offering is Car Insurance which every car owner needs. We communicate with 19 Insurance Companies on your behalf and propose the top three picks for you to choose from, pay at one go for your Insurance and Road Tax - which you will receive from our Road Tax partner MYEG, in no time.

Our first offering is Car Insurance which every car owner needs. We communicate with 19 Insurance Companies on your behalf and propose the top three picks for you to choose from, pay at one go for your Insurance and Road Tax - which you will receive from our Road Tax partner MYEG, in no time.

  • AXA Affin General Insurance Berhad
  • Etiqa General Insurance Berhad
  • Berjaya Sompo Insurance Berhad
  • Syarikat Takaful Malaysia Keluarga Berhad
  • RHB Insurance Berhad
  • Takaful Ikhlas General Berhad
  • MSIG Insurance Berhad
  • Tune Insurance Malaysia Berhad
  • Allianz General Insurance Company (Malaysia) Berhad
  • AmGeneral Insurance Berhad
  • Kurnia Insurans (Malaysia) Berhad
  • Lonpac Insurance Berhad
  • Tokio Marine Insurans (Malaysia) Berhad
  • Chubb Insurance Malaysia Berhad
  • Pacific & Orient Insurance
  • Liberty Insurance Malaysia Berhad
  • AIG Malaysia Insurance Berhad
  • MPI Generali Insurans Berhad
  • AIA General Berhad
  1. Best Price

    A Best Price quote is the most affordable option among all quotes obtained from 19 Insurance companies available in Malaysia. It is the most affordable quote that comes with basic benefit coverage.

  2. High Value

    A High Value quote is the second most affordable option with the highest benefit coverage among all quotes obtained from 19 Insurance companies available in Malaysia.

  3. Premium Brand

    A Premium Brand quote is the option with the highest benefit coverage at a premium price.

*This recommendation is based solely on Rivermains‘ analysis of all auto insurance products in Malaysia.

  1. NCD is a discount sanctioned by Bank Negara Malaysia (BNM). It is available to all Malaysian drivers who practice safe driving.
  2. This discount is automatically applied on the Car Insurance premium during renewal when there have been no claims made.
  3. The NCD percentage/rate increases yearly. After your fifth year of no-claims, you will be able to save up to 55% off your premium.
  1. Practice good road etiquette and behaviour while driving.
  2. If possible, do not make Insurance claims on minor car damages.
  3. You will not lose your NCD if claims were made against your policy for and accident that was not your fault.
  1. You can transfer your NCD from an old car to a new car, provided you are the owner for both cars.
  2. Always remember that the NCD is attach to the owner and not the vehicle.

If you are currently do not have a vehicle and/or are uninsured, any NCD earned under your last Insurance policy will be dropped one level every year.

For example, if your NCD entitlement is 55% this year, it will drop to 45% next year if it is not transferred to another vehicle. This will continue until the NCD level reaches 0%.

The discount rate is based on the type of vehicle and the period of Insurance stipulated in your contract.

The table below shows the NCD rates for private cars, commercial vehicles and motorcycles.

NCD Rate for Private Vehicle & Commercial Vehicles and Motorcycles
Insurance Period Private Commercial Motorcycle
1st year 0% 0% 0%
2nd year 25% 15% 15%
3rd year 30% 20% 20%
4th year 38.30% 25% 25%
5th year 45% 25% 25%
6th year and above 55% 25% 25%

There is a possibility that your NCD data has not been updated. You will have to liaise with your previous Insurance company to request for an NCD update.

With windscreen coverage

If you have included a Windscreen Coverage in your policy, your NCD will not be affected.

Without windscreen coverage

You will lose your NCD if you make an Insurance claim to replace your windscreen.

If you have purchased a vehicle for the first time, you will not be able to enjoy the NCD for the first year. On your next Car Insurance renewal, you will be able to enjoy the NCD, provided you have not made any claims.

Yes. You will still enjoy the same NCD rates.

Check your current NCD rate at https://www.mycarinfo.com.my/NCDCheck/Online

The maximum value that the Insurance company will reimburse you, if your car is deemed a total loss.

You are advised to insure your vehicle based on the vehicle Market Value at the time of renewal, to avoid over-insuring or under-insuring.

It means you insure your vehicle for a sum that is higher than Market Value. The Insurance company in this case will only reimburse you based on the Market Value of your vehicle when a claim is made.

It means you insure your vehicle for a sum that is lower than Market Value. When there a claim is made, the Insurance company will only reimburse you up to the total sum insured. Any difference between that and the total repair cost of your vehicle, will have to be paid by you.

Market Value is the current value your vehicle is worth at the time of renewal.

For example: You insured your car at a Sum Insured of RM70,000, after a few months the value of your car naturally depreciates. You then experience a total loss or theft, the compensation by the Insurance company will be less than RM70,000 due to that depreciation of value.

Agreed Value is a fixed amount that you and your Insurance company agrees upon, during the purchase of your Car Insurance.

For example: You insure your car at a Sum Insured of RM70,000 under the Agreed Value clause. When there is a total loss or theft after a few months, the Insurance company will compensate the value of RM70,000 as stated in the Insurance policy. This could mean you get a higher compensation if the Agreed Value is higher than the market value of your car, at that time.

  1. If you insured your car based on Agreed Value, the Insurance company will reimburse you the Agreed Value amount as specified in the policy instead of the Market Value.
  2. When it comes to making a claim on total lost or theft, if the Agreed Value sum covered is higher than the Market Value, you will get a higher compensation.
  3. There will be no dispute with the Insurance company on the value of your car during the claim process.

A Market Valuation System is a guide, approved by the Persatuan Insurans Am Malaysia (PIAM), to determine the value of cars in Malaysia.

The Market Value of the car will be determined by an Adjuster from the Insurance Company. The value will need to be agreed upon by both the owner of the car and and the Insurance company.

  1. It means removing the tariff structure or freeing up the fixed premium rates where Insurance premiums are NO longer fixed rates and will fluctuate.
  2. Insurance companies will use their own pricing model to calculate your Insurance premium.
  3. Premiums will now be charged based on the risk profile of the car and the car owner (individual risk profile).

It was implemented on 1st July 2017.

An individual risk profile is an analysis of a car owner to determine the premium rates based on certain factors such as gender, driver's age, driving behaviour, claim history and/or other related factors.

Effective 1 July 2017 onwards, more risk factors such as age of car and owner, geographical location of the vehicle, claim history and etc will be taken into account in determining premiums.

For example: The Insurance premium for a car owner with a zero Insurance claim record is lower compared to a car owner with a high claim history.

  1. Enjoy a wider range of Car Insurance products that better suit your needs.
  2. De-tariffing is a based on a fair pricing as premium rates are based on individual risk profiles.
  3. Affordable Insurance premiums as Insurance companies get competitive in the market.
  1. Keep a healthy traffic record.
  2. Maintain good driving habits and behaviour.
  3. Keep your vehicle safe to reduce the risk of theft.
  4. Optimize using the Rivermains platform by signing up and we'll keep you updated on your best premium deal when the time is right. We'll also keep you informed on everything you need to know about Car Insurance.
  1. It is a claim towards your own Insurance policy.
  2. It is only applicable to Comprehensive Motor Insurance policies only.
  3. NCD (No Claims Discount) will be forfeited when you make this claim.
  1. Lodge a police report within 24 hours of accident.
  2. Take photos of the scene of the accident, damaged vehicles, affected parties IC, driving licenses, car plate numbers etc.
  3. Inform your Insurance company of the accident and send your car to an authorised panel workshop.
  4. The panel workshop wil begin repairs on your car upon receipt of approval from your Insurance company.
  1. Completed claim form
  2. Vehicle registration card (copy)
  3. Vehicle owner's IC and driving license (copy)
  4. Driver's IC and driving licence (copy)
  5. Police report (original copy)
  6. Police investigation report (original copy)
  7. Car Insurance policy or cover note (copy)
  1. This claim covers damages to your vehicle only.
  2. It does NOT cover for death and bodily injury.
  3. Applicable to Comprehensive Motor Insurance policies only.
  4. NCD (No Claims Discount) is NOT forfeited.
  5. This claim is applicable when you are involved in an accident that is NOT your fault.
  1. Lodge a police report within 24 hours.
  2. Take photos of the scene of the accident, damaged vehicles, affected parties IC, driving licenses, car plate numbers etc.
  3. Inform your Insurance company of the accident and send your car to an authorised panel workshop.
  1. Completed claim form
  2. Vehicle registration card (copy)
  3. Vehicle owner's IC and driving licence (copy)
  4. Driver's IC and driving licence (copy)
  5. Police report (original copy)
  6. Police investigation report (original copy)
  7. Car Insurance policy or cover note (copy)
  8. 3rd party's police report
  9. Signed Declaration Letter (for No-Fault Accident)
  10. Police Compound / Findings
  11. Police Sketch Plan & Keys (if any)
  1. It is a claim made if your vehicle is stolen or lost.
  2. Insurance company will reimburse your loss if you car is stolen.
  3. Applicable to Comprehensive Motor Insurance and 3rd party fire and theft Car Insurance only.
  4. NCD is forfeited when a theft claim is made.
  1. Lodge a police report immediately.
  2. Inform your Insurance company and submit the required documents (see below).
  1. Completed claim form
  2. Police report (original copy)
  3. Police investigation report (original copy)
  4. Vehicle registration card (copy)
  5. Vehicle owner's IC and driving licence (copy)
  6. Driver's IC and driving licence (copy)
  7. Car Insurance policy (copy)
  8. Hire purchase agreement
  9. Copy of purchase invoice (for newly purchased vehicle)
  1. Agreed Value

    If you insured your car based on Agreed Value, you will get the compensation amount indicated in the policy.

  2. Market Value

    If you insured your car based on Market Value, the claim amount will based on the current vehicle value or the sum covered indicated in policy, whichever is lower.

If the vehicle is recovered before the Theft Claim is settled, you will have options to either:

  1. Withdraw the claim (if the vehicle is recovered in good condition).
  2. Withdraw the claim and repair your car on your own expense (if the vehicle sustained minor damage and you wish to retain your NCD entitlement).
  3. Withdraw the Theft Claim but pursue an Own Damage Claim (if the vehicle sustained extensive damage or has missing parts).
  1. You lent your car to a friend who subsequently 'disappeared' with the car.
  2. You left your car at a carwash station and your car got stolen.
  3. You hand over your car to a jockey service and both car and service ends up missing.
  4. You use the car for hire or reward.
  1. It is also known as a Knock For Knock (KFK) claim.
  2. It is a claim that you can make against the thrid party's Insurance company, if the other party is at fault.
  3. The third party at fault MUST make a police report in order for you to make this claim.
  1. Lodge a police report within 24 hours.
  2. Send your car to your Insurance company panel workshop for repair.
  3. You will have to pay for the cost of repair in advance and subsequently make a Third Party Property Damage Claim.
  1. Cover /demand letter with the details of the claim amount.
  2. Police report (original copy)
  3. Police sketch plan & keys
  4. Police investigation report (original copy)
  5. Vehicle ‘s registration card (copy)
  6. Vehicle owner's IC and driving licence (copy)
  7. Driver's IC and driving licence (copy)
  8. Car Insurance policy (copy)
  9. Hire Purchase Agreement (copy)
  10. Other party police report (copy)
  11. Other party Car Insurance policy (copy)
  12. Photos of the accident scene, damaged vehicles.
  13. Adjuster's report together with photographs of the damaged insured vehicle.
  14. Original bill and receipt issued by the adjuster for their services (if any).
  15. Additional documents may be requested as the claim progresses.
  1. If the other party doesn't make a report , you will have to make an Own Damage claim against your own policy.
  2. You must provide your Insurance company with strong evidence and/or proof that you are not the party at fault, they will in-turn consider your Own Damage Claim and retain your NCD entitlement.
  1. Excess is the amount that the car owner is required to bear for every claim approved by the Insurance company.
  2. For example, the excess amount stated in your policy is RM400 and the total claim amount is RM2,000. Your Insurance company will only pay out RM1,600 for the claim while you will be required to pay the remaining RM400, as per agreed.
  1. It is a claim made on damages to your car's windscreen under the events covered by your Insurance company.
  2. It is applicable to Comprehensive Car Insurance policies with windscreen coverage only.
  1. Completed claim form
  2. Vehicle ‘s registration card (copy)
  3. Vehicle owner's IC and driving licence (copy)
  4. Driver's IC and driving licence (copy)
  5. Car Insurance policy (copy)
  6. Replacement bill/receipt
  7. Photographs of damaged windscreen (close-up) and full view of vehicle showing registration number before and after repair.

Based on Bank Negara guidelines effective from 3rd January 2000, for chain collisions involving three or more vehicles, the vehicle behind will be responsible for the damage to the vehicle immediately in front.

So Car 4 pays for Car 3, Car 3 for Car 2, and so on.

You should choose the tow truck operator appointed by your Insurance company. Usually, your car will be towed to the nearest Police Station first, to make a police report where photos of your vehicle will be taken.

Your vehicle will then be towed to the panel workshop for repairs.

A road accident where the party at fault, the one who caused the accident, intentionally leaves the scene without stopping.

  1. Get the car registration number of the party at fault.
  2. Lodge a police report as soon as possible.
  3. Explain to the police inspector exactly how the accident happened.
  4. Notify your Insurance company and submit all the reports and other information gathered.
  5. Send your car to any of the panel workshops so your Insurance company will be able to inspect your car.

You must have enough evidence and witnesses to prove otherwise. A Dashboard Camera can be useful to prove your innocence.

Always practice proper road and personal safety measures. Hit & Run incidences are a lot of time out of your hands but you can do your best to avoid situations that can land you in trouble, for example parking in secure parking areas.

Car Insurance also known as Auto or Motor Insurance, is the Insurance policy that protects you, your car and provides financial compensation that covers any injuries caused to individuals and/or their property.

Car Insurance is a mandatory requirement in Malaysia for any car and/or vehicle to operate on the road. It greatly helps to compensate your losses during accidents.

  1. It pays for damages

    If you are in an accident, the Insurance policy helps to pay for your own car repairs as well as other party's medical bills and property damages.

  2. Replace a stolen car

    Your Insurance company will provide monetary compensation (to a degree stipulated) for your stolen car.

  3. Save yourself from inconveniences

    Accidents on the road can be absolutely messy and stressful. With Insurance, you’ll be able to walk through all of the hassle relatively quickly.

  4. Protect your pocket

    A Insurance policy may help protect your bank account, as other parties will pursue your Insurance company for the compensation if you are the party at fault in an accident.

  1. Comprehensive Motor Insurance policy

    This policy provides Insurance coverage against damage to your own vehicle and/or your liabilities to other parties such as injury or death and damage to other parties’ property due to a car accident.

  2. Third Party, Fire and Theft Insurance policy

    This policy covers the third party involved in the car accident, plus coverage to your own vehicle if your car gets caught in a fire, or gets stolen.

  3. Third Party Insurance policy

    This policy covers the damages you caused on others, such as damages to their cars or properties, their bodily injuries and death.

This coverage provides coverage on the damage of front and back windscreens, windows and sunroof including the cost of lamination/tinting film (if any).

Windscreen Coverage allows you to recover the cost of repairing or replacing your car's windscreen, without affecting your No-Claim-Discount (NCD) entitlement.

This coverage provides protection against damages due to natural disasters such as flood, storms, typhoons, earthquakes, landslide, landslip, sinkhole etc.

This benefit covers you from passengers who sue you as a driver for injuries caused to them (not applicable to own family members).

For example: A passenger suffers from an injury due to poor driving skills of the driver and decides to sue him/her for compensation.

*This coverage is compulsory if you drive your car in Singapore.

This benefit covers you against a third party claim against you (vehicle owner/authorised driver) for the negligence of your passengers.

For example: Damage to another vehicle when your passenger(s) open the car door.

This extra coverage provides protection against loss or damage due to specific accessories that are not fitted in by the manufacturer of the vehicle.

Betterment is a scale imposed on vehicles aged five years and above, when new franchise parts are used during a repair that was paid for by the Insurance company.

The vehicle owner has to bear the betterment charges when the damaged old parts of the vehicle are replaced with new franchise parts. The application of betterment is based on the Scale of Betterment.

Loading is an additional amount that is built into the Insurance cost. This amount is added to the premium to provide the cover for a ‘risky’ individual.
Basically, loading covers the losses that arise from insuring an individual who is prone to a form of risk, and the losses for that period are expected to be higher than anticipated.

  1. Your own death or bodily injury due to a car accident.
  2. Damage to tyres unless the vehicle is damaged at the same time.
  3. Consequential loss, depreciation, wear and tear, rust and corrosion, mechanical or electronic breakdowns, failures or breakages, equipment or computer malfunction.
  4. Loss, damage or liability occurring outside the geographical area (Malaysia, Singapore and Brunei);
  5. Loss or damage caused by or due to cheating or criminal breach of trust.
  6. Loss, damage or liability arising from an act of nature, i.e. flood, storm or landslide.
  7. If you or any person with your consent is not licensed to drive the vehicle.
  8. If you or the authorised driver drives the vehicle whilst under the influence of alcohol or drugs.
  9. Loss, damage or liability caused by the vehicle being used for an unlawful purpose.
  10. If the vehicle is used for or is prepared for any motor sport or competition (other than treasure hunts) or any other purpose specified in the motor policy.
  11. EXCESS. The first amount that you have to bear yourself for each and every claim approved, even if you are not at fault for the incident.

No you don't. Getting a quote for your vehicle is completely free.

You'll get your quotation via email within one (1) working day.

We offer Car Insurance renewal services for all PRIVATELY registered vehicles.

No worries, Rivermains will do the work. We'll remind you when it's time, all you've got to do is sign up for an account.

Get in touch with us on WhatsApp +6011 - 1073 0090 or email us at ria@rivermains.com for assistance. We're here to help.

We will deliver your e-Policy, tax invoice and Road Tax receipt (if applicable) to you via email within 1 business day.

Every successful transaction will be issued with an e-receipt. Please Whatsapp us at +6011 - 1073 0090 or email us at ria@rivermains.com if you do not receive the e-receipt.

You can update your personal details via your Rivermains account. If you need assistance, you can email us at ria@rivermains.com or WhatsApp us at +6011 - 1073 0090.

You can contact us on WhatsApp +6011 - 1073 0090. We will help you get in touch with your Insurance company.

Yes. You may cancel your policy anytime by giving written notice to us. Upon cancellation, any refund of the premium will be based on the conditions stipulated in the policy contract

*No refund of premium is allowed if there is a claim made under the policy.

The refund will be made directly to the policy holder's bank account. The following documents must be provided:-

  1. Identification card, passport or other acceptable identification documents; and
  2. either one (1) of the following
    1. Bank statement; or
    2. Bank account passbook; or
    3. Bank-in slip of a recent bank transaction with the bank name and account clearly shown; or
    4. Details of bank account printed from your bank’s website that has been certified by your bank; or
    5. Letter from your bank confirming your bank account.

All deliveries are done by MYEG Services.

MYEG will deliver your Road Tax to your doorstep, within the estimated times below:

  1. Klang Valley (2 working days)
  2. Peninsular Malaysia (2-3 working days)
  3. Sabah & Sarawak (within 5 working days)
    If you do not receive your Road Tax within the timeframe above, WhatsApp us at +6011 - 1073 0090.

Rivermains partners with iPay88, a trusted and secure payment gateway, for payment. We are now accepting FPX transfers, but will soon accept Credit and Debit card payments. You will be notified once we're ready.

You will receive transaction details via email from both iPay88 and Rivermains upon every successful transaction. If you did not receive any emails, please email us at ria@rivermains.com or WhatsApp us at +6011 - 1073 0090.

Rivermains will not keep any of your banking information. Payments will be processed by online payment gateway iPay88.

  1. Premium payment and cash is required before Insurance coverage is effected

    Full premium must be paid before the effective date of the Policy. The Insurance is automatically null and void if this condition is not complied with.

  2. Under Insured or Over Insured

    You must ensure that your car is insured at the appropriate amount. Get in touch with us on WhatsApp at
    +6011 - 1073 0090 if you require help.

  3. Compulsory excess of RM400 is required, if your car is driven by a person who is:
    1. Under the age of 21;
    2. A “L” license holder;
    3. A full license holder for less than 2 years;
    4. Not named in your policy.

Rivermains goes to all Insurance companies providing Auto Insurance, whether its online or via an agent to ensure you get the best deal. For this, we impose a 10% of Digital Service Fees on top of your premium amount.

*Not inclusive of taxes and stamp duties imposed by the Government or our partners, if any.

No you will not be imposed any additional fees. Payment gateway charges will be absorbed by Rivermains.


Version as of 9 November 2021