Insurer Review

Kurnia Car Insurance Review 2026

4(4,532 reviews)
Most Affordable — Malaysia's Budget Champion

Kurnia is Malaysia's go-to insurer for budget-conscious drivers, offering the lowest premiums in the market with wide coverage across both urban and rural areas.

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What's Great

  • Lowest premiums among all major Malaysian insurers
  • Extensive agent network reaching rural and semi-urban areas
  • Over 350 panel workshops — larger network than Etiqa and Zurich
  • Simple, straightforward claims process with no complex requirements
  • Strong brand recognition and trust among Malaysian drivers
  • Good for older cars where comprehensive value is lower

What Could Be Better

  • Claims processing slightly slower (3-5 working days average)
  • Windscreen cover limit only RM 800 — lowest among tier-1 insurers
  • No EV-specific or e-hailing dedicated plans
  • Online self-service platform less developed than Etiqa
  • Add-on options more limited than premium insurers

Overall Rating

4/ 5
4(4,532 reviews)

About Kurnia Malaysia

Kurnia Insurans (Malaysia) Berhad has been serving Malaysian drivers for decades and is one of the country's most recognised insurance brands. Now part of the AmGeneral Insurance group (under Liberty Mutual), Kurnia maintains its reputation as the most affordable option for Malaysian drivers. Their extensive agent network covers even rural areas, making them accessible to drivers outside major cities. While Kurnia's premiums are the lowest among major insurers, their claims process is straightforward and their panel workshop network is surprisingly extensive with over 350 locations across Malaysia. Kurnia is particularly popular for older cars where drivers want minimum spend with adequate coverage.

Coverage Plans & Pricing

Estimated annual premiums for a standard 1,500cc sedan with 38% NCD. Final quotes may vary.

Kurnia Comprehensive

Basic comprehensive cover at the lowest market price

RM 750 – 1,050/yr
  • Own damage repair
  • Theft & fire protection
  • Third-party liability
  • Windscreen up to RM 800
  • Personal accident cover
  • Basic towing (up to 50km)
  • 24/7 helpline support
Budget-focused drivers, older cars, rural drivers

Kurnia Third Party Fire & Theft

Low-cost mid-tier cover for budget-conscious drivers

RM 400 – 580/yr
  • Third-party liability
  • Fire & theft of own vehicle
  • Personal accident cover
Cars 10+ years old, tight budget, basic protection needs

Available Add-ons

Optional extras you can add to your Kurnia comprehensive plan.

Windscreen Coverage

RM 60 – 100/yr

Covers windscreen damage up to RM 800 per claim without NCD impact

Flood / Special Perils

RM 60 – 100/yr

Adds flood, landslide, and storm coverage to your plan

All Drivers Cover

RM 40 – 70/yr

Extends cover to all licensed drivers aged 21+

Towing & Roadside

RM 25 – 45/yr

Free towing up to 50km + basic roadside assistance

Passenger Liability

RM 25 – 40/yr

Legal liability for passenger injuries

Panel Workshops

Kurnia has over 350 panel workshops across Malaysia — surprisingly extensive for a budget insurer. Their network covers both urban and rural areas, with strong presence in smaller towns and semi-urban locations where premium insurers have less coverage.

Kurnia Claims Process

  1. 1Call Kurnia's 24/7 claims hotline at 1-800-88-3833 or visit any Kurnia branch
  2. 2Submit accident report with photos and supporting documents
  3. 3Vehicle inspection arranged at nearest panel workshop
  4. 4Claim assessed within 3-5 working days
  5. 5Repair at panel workshop — Kurnia settles directly
  6. 6Collect your repaired vehicle

Claim decisions typically within 3-5 working days. While slower than premium insurers, the process is straightforward and reliable.

Best For

  • Budget-conscious drivers seeking the lowest premiums
  • Older car owners (10+ years)
  • Rural and semi-urban drivers
  • Drivers who rarely claim
  • First-time car owners on a tight budget

Not Ideal For

  • Drivers wanting the fastest claims
  • Premium/luxury car owners
  • EV and hybrid vehicle owners (no specialised plans)
  • E-hailing drivers
  • Those wanting maximum windscreen cover

FAQ

Is Kurnia the cheapest car insurance in Malaysia?
Yes, Kurnia consistently offers the lowest premiums among major licensed insurers in Malaysia. For a standard 1,500cc sedan, Kurnia comprehensive plans range RM 750-1,050/yr — typically 5-15% cheaper than competitors. However, lower premiums may mean slightly longer claims processing and lower coverage limits.
How are Kurnia's claims compared to other insurers?
Kurnia's claims process is straightforward but takes slightly longer than premium insurers — typically 3-5 working days for assessment vs 1-2 days at Tokio Marine or Allianz. Claims are processed reliably, and their panel workshop network is extensive. For straightforward claims, the experience is generally positive.
Can I get Kurnia insurance for a car over 15 years?
Yes, Kurnia is one of the few insurers that readily covers older cars. For cars over 15 years, they typically offer Third Party or TPFT coverage. A vehicle inspection may be required. Contact a Kurnia agent for specific older car quotes.
Does Kurnia offer online renewal?
Yes, Kurnia offers online renewal through their website and the MyKurnia portal. However, their online platform is more basic compared to Etiqa. Many customers still prefer renewing through Kurnia agents, who are widely available across Malaysia.

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