Why private car insurance is not enough
A private car policy covers the car for personal use. Once you accept paid rides through an e-hailing app, the car is being used commercially, and a claim during that time can be rejected if your policy doesn’t include e-hailing use.
In Malaysia, e-hailing vehicles are also required to carry insurance that covers e-hailing activity as part of the licensing rules for e-hailing drivers and vehicles. Driving without it puts both your claims and your permit at risk.
Renew roadtax & car insurance on WhatsApp
Ways to get e-hailing cover
Depending on the insurer and your situation, there are generally two routes:
- An e-hailing extension added to your private car policy. Your existing policy is extended to cover e-hailing use. This often suits part-time drivers who also use the car for family.
- A dedicated e-hailing motor policy. Built for cars used mainly for e-hailing, suited to full-time drivers.
Some platforms provide their own per-trip coverage for drivers and passengers. That coverage has its own limits and conditions, so check what it includes before relying on it alone.
What to tell Lulu
- Your plate number, IC and postcode
- Whether you drive e-hailing full time or part time
- Which platform(s) you drive for
- Who else drives the car
- When your current insurance and roadtax expire
She will check which e-hailing cover is available for your car and send a quote that includes the roadtax.
Protect your income, not just the car
For full-time drivers, the car is the business. If an accident or illness keeps you off the road, the income stops too. Many drivers pair their motor cover with:
- a medical card for hospital bills,
- personal accident or life insurance that pays out if you can’t work.
Lulu can look at all of these together so you aren’t paying for overlapping cover.