It’s like bubble wrap
for your Grab ride …
only better.

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BM

With Ride Cover, you’ll enjoy our 100% No Delay Guarantee: if your pickup doesn’t arrive within 15 minutes after the estimated arrival time, you’ll get an RM5 Grab Ride voucher. Plus, you can also get up to RM100,000 personal accident coverage in the event of your death or permanent disability on top of your basic coverage for you and any immediate family members sharing the ride. All for just RM0.35/ride.

*The Personal Accident coverage of Ride Cover is underwritten by Chubb Insurance Malaysia Berhad, registration number 197001000564 (9827-A).

How Ride Cover works

Simply opt in to Ride Cover for RM0.35 per trip.
In the event of an unforeseen accident, easily re-trace your ride in-app to file a claim.

You’ll be compensated if You’ll receive
You get into an accident during your eligible Grab ride in Malaysia A claim of up to RM100,000 for death or permanent disability, and up to RM2,000 for medical expenses, on top of your basic coverage
Your pickup is delayed more than 15 minutes after the estimated arrival time A RM5 Grab ride voucher once your eligible journey has been completed; your voucher will be valid for six months

For more information on Grab's existing coverage, click here.

Extra protection made extra convenient

Enhanced protection

Get extra personal accident coverage of up to RM100,000

Protection when you need it

One time opt in any time via the Insurance tile

Affordable peace of mind

Get covered for only RM0.35 per ride

FAQs

General Enquiries: Opt-In & Rides Eligibility

You can choose to opt in to Ride Cover for the rides that you take on GrabCar services.

Ride Cover is a programme which comprises (1) Personal Accident insurance product offered to you by Chubb and (2) Pick-up Delay Voucher made available to you by Grab while you are taking a Grab ride in Malaysia only.

You can go to the Insurance tile and tap on Ride Cover under the Explore Plans tab. You will be able to read all the important information relevant to Ride Cover and will also be able to opt in to Ride Cover from that page.

Please make sure that your Grab App is updated to the latest version and that you are currently using a phone number registered in Malaysia for your Grab account.  

If you have opted in to Ride Cover, you can go to the Insurance tile and look under My Plans tab to see the status of your Ride Cover plan. If you do not see Ride Cover as one of your plans, it means you have not opted in and you can opt in to the plan.

Please submit a form in the helpcentre at I have an issue with Ride Cover so we can assist you. 

If you have opted in to Ride Cover, you will be charged the Ride Cover Fee (“Fee”) on eligible rides and you will be able to see this in the ride receipt that is emailed to you after your ride has been completed.

If you pay for any ride using cash or corporate billing, that ride will not be eligible for Ride Cover. You will not be charged the fee for the Ride Cover even if you have opted in.

GrabShare, GrabHitch and GrabCoach are the only ride types not covered by Ride Cover. If you are opted into Ride Cover and take a GrabShare, GrabHitch, or GrabCoach, no Fee will be charged and you will not enjoy the Ride Cover benefits for that ride.

To be eligible for cover, you must be opted into Ride Cover before booking the Grab ride

Only your Family Members will be covered if they are in the same Grab ride as you, or in a Grab ride booked by you, provided you have opted-in for Ride Cover.

“Family member” refer to a Spouse/partner, parent, parent-in-law, step-parent, child, brother, sister, brother-in-law, sister-in-law, daughter-in-law, son-in-law, half brother, half sister, fiancé(e), niece, nephew, uncle, aunt, stepchild, grandparent or grandchild.

No. Once you have opted in, the fee will be added to every eligible ride.  If the fee is charged for a ride, that ride is covered by Ride Cover.

If your pick-up is delayed for more than 15 minutes after the given estimated arrival time, we will send you an inbox message to let you know that you qualify to receive the RM5 Grab ride voucher. You will only receive the voucher if you continue with that ride.

Pick-Up Delay Voucher is not an insurance product. It is an added feature exclusive to Ride Cover.

General Enquiries: Booking Experience

If the fee was not charged, that ride is not eligible for Ride Cover and the pick-up delay benefit does not apply.

General Enquiries: Opt-Out Experience

If you have previously opted in to Ride Cover, you can go to the Insurance tile and tap on Ride Cover under My Plans tab. You will be able to opt out by going into the plan.

General Enquiries: Payout Experience

If you qualify for the voucher (the pick-up was delayed for more than 15 minutes and you completed your ride), you will receive an inbox message informing you that you have received the RM5 Grab ride voucher from us.  You can find this voucher under the My Rewards tab in GrabRewards.

If you cancelled the pick-up delayed ride, you will not receive the RM5 Grab ride voucher. You must continue with the ride in order to be eligible for the voucher.

General Enquiries: Fraud Management Experience

Fraudulent activity has been detected on your Grab account. Please submit a form at I have an issue with Ride Cover so we can assist you.

Personal Accident

Any pre-existing conditions are not included. A pre-existing condition means any condition for which a doctor has been consulted or for which treatment or medication has been prescribed; or a condition, the manifestation or symptoms of which a reasonable person in the circumstances would be expected to be aware of at or before the relevant Grab ride commencing.  Please refer to policy wording for the complete list of exclusions.

For more information or assistance, you can reach out to Chubb’s Customer Service Hotline at +603 2058 3181 (Mondays to Fridays, 8.30am – 5.15pm, excluding weekends and public holidays).

You can submit your claim directly to Chubb Insurance Malaysia Berhad by email to GrabInquiries.My@chubb.com or call in at +603-2058 3181.

The claims assessment will take 7 – 10 working days to process.

Do note that you can make a Personal Accident claim immediately after an accident with the supporting documents as below:

  • All reports that have been made with or obtained from the police, a carrier or other authorities about the accident, loss or damage; and
  • Any other documentary evidence required by Chubb.

 For delayed pick-up, If you qualify for a payout (the pick-up was delayed for more than 15 minutes and you completed your ride), you will receive an inbox message informing you that you have received the RM5 Grab ride voucher from us. You can find this voucher under the “My Rewards” tab in GrabRewards. There is no need to submit a claim for this.

Free COVID-19 coverage

The free COVID-19 coverage is an additional benefit offered under Ride Cover, for a limited time only. This benefit provides a lump sum payout in the event of diagnosis of COVID-19, subject to policy terms and conditions. 

This coverage is automatically available as a free benefit to all passengers who opt-in to Ride Cover Programme at anytime between 23 March and 30 April 2020 (both dates inclusive). For passengers who have opted-in to the Programme prior to 23 March 2020, You must remain to be opted-in to continue to be eligible for this coverage.

In the unfortunate event you are diagnosed and tested positive with COVID-19, you will receive a RM500 lump sum payout.

For the avoidance of doubt, this benefit can only be claimed once and is not extended to your family members.

The coverage starts from the day you opt-in to Ride Cover Programme (i.e. anytime between 23 March and 30 April 2020) till 31 May 2020.

If you are diagnosed with COVID-19 during this period, you may submit a claim.

You can submit your claim directly to Chubb Insurance Malaysia Berhad by email to GrabInquiries.My@chubb.com or call in at 03-2058 3181.  

Please submit your claim with a completed Claim Form, Medical Report confirming the diagnosis of COVID-19 and any supporting documents within 30 days from the date of diagnosis of COVID-19.

If you have another insurance policy, you can claim the benefit on top of your existing coverage.

For more information or assistance, you can reach out to Chubb’s Customer Service Hotline at +03 2058 3181 (Mondays to Fridays, 8.30am – 5.15pm, excluding weekends and public holidays).

Got a question?

For personal accident policy enquiries, please contact Chubb Customer Service at +603 2058 3181 (Mondays to Fridays, 9.00am – 5.00pm, excluding public holidays).

For all other enquiries about Ride Cover, please contact the Grab Customer Experience team at 1300805858.

Chubb is the world’s largest publicly traded property and casualty insurer. Chubb’s operation in Malaysia (Chubb Insurance Malaysia Berhad) provides a comprehensive range of general insurance solutions for individuals, families and businesses, both large and small through a multitude of distribution channels. With a strong underwriting culture, the company offers responsive service and market leadership built on financial strength. Chubb in Malaysia has a network of 23 branches and more than 2,600 Independent Distribution Partners (Agents).

More information can be found at www.chubb.com/my.

The Personal Accident Coverage of Ride Cover is distributed by GrabInsure Insurance Agency (M) Sdn. Bhd, a wholly-owned subsidiary with the Grab Group of companies.