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Welcome to our E-Hailing Insurance Guide! 

This guide is designed to help you navigate the steps to obtain the necessary E-Hailing insurance for your vehicle and complete your registration with Grab.

We’ll guide you through comparing E-Hailing insurance products, verifying your vehicle insurer, and more. Follow the instructions carefully and ensure all requirements are met to expedite the review process. 

Let’s get started!💚

E-Hailing insurance is a mandatory add-on to your motor insurance, enforced by the Ministry of Transport to ensure protection for you and third parties during E-Hailing jobs. Your basic private car insurance unable to cover any accident damages to your vehicle, passengers, and third parties when you provide E-hailing services.

Basic Requirements

  • Under Comprehensive coverage: Reject Third Party or Third Party, Fire & Theft coverage
  • Personal Owned Vehicle: Under Malaysian IC

  • Vehicles below 14 years old: At least 1 year remaining before reaching 15 years old

Step 1 : Compare the E-Hailing Insurance Products

You can choose one of the following E-hailing insurance options:

  1. Grab Daily Insurance (GDI)
    • Recommended for part-time driver-partners or those planning to operate less frequently.
  2. E-Hailing Annual Insurance (Private Hire Car) Add-on
    • Recommended for full-time driver-partners or those who plan to operate regularly.
💡Grab is the only E-Hailing operator that offering Daily E-Hailing Insurance in collaboration with selected partnered insurers, providing drivers with a highly flexible and convenient option. Learn more HERE.

Step 2: Check if your current vehicle insurer is listed below.

Grab is currently collaborating with the following selected partner insurers to provide Grab Daily Insurance (GDI):

  • Allianz General Insurance Company
  • Generali Insurance Malaysia Berhad**
  • Zurich General Insurance
  • Chubb Insurance Malaysia
  • Etiqa General Insurance and more

This is for reference only. Please contact your insurer’s customer service for confirmation.

Important Notice: 

Notice on Chubb E-Hailing Coverage:
Effective 28 September 2026, Chubb Annual E-Hailing Add-On is temporarily unavailable for new policies and renewals. Active Chubb Annual E-Hailing policies issued prior to 28 September 2026 remain fully valid until their expiration or lapse date. Grab Daily Insurance (GDI) remains available as normal.

For MSIG policies with an effective date before 1st August 2025, the GDI add-on will remain available for purchase, and will remain valid until the end of the policy period or 1st August 2026, whichever occurs first, in accordance with the terms and conditions.

For Tokio Marine policies with an effective date before 1st September 2025, the GDI add-on will remain available for purchase, and will remain valid until the end of the policy period or 1st September 2026, whichever occurs first, in accordance with the terms and conditions.

For Generali policies with an issue date before 1st July 2026, the GDI add-on will remain available for purchase, and will remain valid until the end of the policy period or 1st July 2027, whichever occurs first, in accordance with the terms and conditions. Please check the “Date of Issue/Tarikh Dikeluarkan” on your insurance cover note to confirm your eligibility.

 

Flexible Payment Options with PolicyStreet

Renewing your car insurance and E-Hailing add-on is now easier on your wallet. PolicyStreet offers the widest range of payment methods in Malaysia, allowing you to choose the plan that best fits your budget.

 

Step 3: Based on your vehicle insurer, you will fit into one of the following scenarios:

Important: This is for reference only. Please contact your insurer’s customer service for confirmation. 

Step 4: Upload E-hailing Insurance Cover Note (The Schedule) to Grab.

Authorisation Letter Signed by Vehicle Owner*

You are not required to upload this authorisation letter if you are the vehicle owner and/or your name is stated in the insurance policy (cover note/endorsement).

What if my name is not stated in the policy and not under ”All Driver” coverage?
You may contact the vehicle owner and insurer to proceed with either one of the options below:

Option 1. 
Request to add your name as an authorised driver. Upload with revised cover note that states your name.

Option 2.
Request “All Driver” add-on and upload with revised cover note that states “All Driver” and an authorisation letter signed by the vehicle owner. Download the template at: grb.to/grabloa

Got questions? We’ve got answers!

General FAQs
 
Q: Can I purchase E-Hailing insurance with Third Party, Fire, and Theft coverage?
No, E-Hailing insurance can only be purchased with Comprehensive coverage.
 
Q: Can I purchase my basic motor insurance and E-Hailing Insurance from different insurers?
No, both your basic motor insurance and E-Hailing insurance must be issued by the same insurer.
 
Q: Can I use Grab Daily Insurance to drive for other E-Hailing Operators?
No. The Grab Daily Insurance only covers you while you are driving with Grab. 
 
Q: Do I need to purchase E-Hailing annual add-on, if I’ve opted for Grab Daily Insurance?
No, if you’ve already paid for the annual E-Hailing add-on, there’s no need to purchase Grab Daily Insurance.
 
Q: What if I do not want to purchase the Grab Daily Insurance?
You can opt for the annual E-Hailing add-on instead. Simply purchase it from your insurer and submit the Insurance Cover Note to Grab. Please check with your insurer to confirm if they offer this option.
 

Q: Can I register with vehicle age over 14 years old?
No. The Ministry of Transport (MOT) allows cars to be used on E-Hailing platforms up to a maximum age of 15 years. However, to register, the car must have at least 1 year remaining before reaching the maximum age limit, meaning it must be below 14 years old at the time of registration.

  • Scenario 1: Vehicle age 13 years old
    Can register, because the car has not yet reached 14 years old.
  • Scenario 2: Vehicle age 14 years and 2 months old
    Cannot register, because the car has exceeded 14 years old.
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