Insurer Review

Zurich Car Insurance Review 2026

4.4(1,956 reviews)
Premium Cover with Flexible Add-ons

Zurich Malaysia offers premium car insurance with some of the most flexible add-on options in the market, strong financial backing, and excellent e-hailing coverage.

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What's Great

  • Flexible add-on packages — mix and match exactly what you need
  • Strong financial rating (AA- by S&P) — very reliable claims payout
  • Excellent e-hailing coverage — one of the best in the market
  • 'Betterment Waiver' available for cars up to 10 years old
  • 24/7 Zurich HelpPoint roadside assistance
  • Specialised EV and hybrid vehicle plans

What Could Be Better

  • Premium pricing — generally 5-10% higher than Etiqa/Kurnia
  • Panel workshop network (~250) smaller than Allianz
  • Some add-ons bundled — can't always pick individual items
  • Online self-service portal less polished than Etiqa's

Overall Rating

4.4/ 5
4.4(1,956 reviews)

About Zurich Malaysia

Zurich Insurance Malaysia is part of Zurich Insurance Group, a global insurer with over 150 years of history. In Malaysia, Zurich has built a reputation for flexible and comprehensive motor insurance plans. Their 'Zurich Auto Cover' is particularly popular among e-hailing drivers and those wanting premium protection with customisable add-ons. Zurich's financial strength (rated AA- by Standard & Poor's) gives policyholders confidence in claims payout reliability. Their 'Zurich HelpPoint' service provides 24/7 roadside assistance and claims support. Zurich also offers specialised plans for EVs, luxury vehicles, and commercial fleets.

Coverage Plans & Pricing

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

Zurich Comprehensive Auto Cover

Premium full protection with extensive add-on flexibility

RM 880 – 1,280/yr
  • Own damage repair
  • Theft & fire protection
  • Third-party liability (unlimited)
  • Flood cover (optional add-on)
  • Windscreen up to RM 1,500
  • Personal accident cover
  • Zurich HelpPoint 24/7 roadside
  • Betterment waiver (optional)
Premium car owners, e-hailing drivers, those wanting flexible coverage

Zurich Third Party Fire & Theft

Mid-tier cover with Zurich's reliability and support

RM 480 – 680/yr
  • Third-party liability
  • Fire & theft of own vehicle
  • Personal accident cover
  • Basic roadside assistance
Mid-value cars, budget-conscious drivers wanting a reliable brand

Zurich EV / Hybrid Cover

Specialised coverage for electric and hybrid vehicles

RM 1,200 – 4,200/yr
  • Battery damage cover
  • Charging cable & equipment cover
  • Personal accident during charging
  • EV-specific roadside assistance
  • All comprehensive benefits
EV and hybrid vehicle owners, Tesla, BYD, and other EV drivers

Available Add-ons

Optional extras you can add to your Zurich comprehensive plan.

Windscreen Coverage

RM 85 – 130/yr

Covers windscreen damage up to RM 1,500 per claim without affecting NCD

Flood / Special Perils

RM 80 – 120/yr

Comprehensive natural disaster coverage including flood, landslide, and storm

All Drivers Cover

RM 60 – 90/yr

Extends cover to all licensed drivers aged 21+

Betterment Waiver

RM 40 – 80/yr

Waives betterment charges on new parts for cars up to 10 years old

E-hailing Extension

RM 350 – 700/yr

Full coverage for ride-hailing drivers (Grab, MyCar, etc.)

Towing & Roadside

RM 40 – 60/yr

Unlimited towing to nearest workshop + 24/7 roadside assistance

Panel Workshops

Zurich has approximately 250 panel workshops across Malaysia, with strong presence in Klang Valley, Penang, Johor, and East Malaysia. Their 'Zurich Preferred Workshops' guarantee genuine parts and certified technicians. Zurich also partners with independent workshops for faster turnaround in less urban areas.

Zurich Claims Process

  1. 1Contact Zurich HelpPoint 24/7 at 1-800-88-6466 to report the incident
  2. 2Submit your claim with photos and supporting documents
  3. 3Zurich assigns a dedicated claims handler to your case
  4. 4Vehicle inspection arranged at your preferred location or panel workshop
  5. 5Claim decision typically within 2-3 working days
  6. 6Repair at Zurich panel workshop with direct settlement

Claim decisions typically within 2-3 working days. Zurich prioritises thorough assessment over speed, which some customers prefer for complex claims.

Best For

  • E-hailing and ride-hailing drivers
  • EV and hybrid vehicle owners
  • Luxury and premium car owners
  • Drivers who value flexible add-on packages
  • Those wanting AA-rated financial security

Not Ideal For

  • Extreme budget shoppers
  • Drivers in very rural areas (smaller workshop network)
  • Those wanting the fastest approval (Allianz faster)

FAQ

Is Zurich good for e-hailing drivers?
Yes, Zurich has one of the best e-hailing insurance extensions in Malaysia. Their e-hailing add-on covers full ride-hailing use (Grab, MyCar, inDrive) while maintaining comprehensive protection. The add-on costs RM 350-700/yr depending on vehicle type and usage hours.
Does Zurich cover electric vehicles?
Yes, Zurich offers a specialised EV/Hybrid Cover plan that includes battery damage, charging cable coverage, personal accident during charging, and EV-specific roadside assistance. Premiums range RM 1,200-4,200/yr depending on the EV model and value.
What is Zurich's Betterment Waiver?
Betterment waiver removes the 'betterment' charge on new replacement parts. Normally, when your insurer replaces damaged parts with new ones, you pay a percentage because your old part was 'used.' This waiver covers that cost. Available for cars up to 10 years old, costing RM 40-80/yr.
How financially stable is Zurich?
Zurich Insurance Group holds an AA- rating from Standard & Poor's, indicating very strong financial strength and claims-paying ability. This is one of the highest ratings among insurers operating in Malaysia.

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