The "Named Driver" vs. "All-Driver" Policy
If you let your cousin drive your car to the store and they have an accident, you might be in for a RM400 surprise. This is the Compulsory Excess—a penalty for an "unnamed driver" being behind the wheel. Choosing between a named driver and an "All-Driver" policy is a matter of household logistics and financial risk management.
The Legal Nuance
In Malaysia, anyone who drives your car with your permission is an "Authorized Driver," but unless they are a Named Driver, the insurance company will deduct RM400 from your claim payout.
Named Driver: The first two are free. Great for couples.
All-Driver: Covers everyone you authorize. Essential for families with multiple adult children or "P" plate drivers.
Contractual Liability
If an unnamed driver is under 21 or holds a Learner (L) or Probationary (P) license, the RM400 excess is mandatory and cannot be waived unless you have specific "All-Driver" coverage.
Drive+ : Super Helpful for Families
Drive+ Standard (RM90 Discount): This discount often covers the entire cost of upgrading to an "All-Driver" policy.
Free Road Tax Handling: One less thing for a busy parent to worry about. We handle the paperwork; you enjoy the savings.
Bateriku Peace of Mind: Includes an RM40 voucher for battery services—perfect for when someone accidentally leaves the car light on.
Get your family-safe quote here.
Frequently Asked Questions:
Who counts as an "Unnamed Driver"?
Anyone not specifically listed in your policy. If they have an accident, you pay a RM400 compulsory excess, unless you have an "All-Driver" policy.
Do I need to name my spouse on my insurance?
Yes, unless you have an All-Driver policy. Even if you are married, the RM400 excess still applies if they aren't a named driver.
Is a named driver the same as a second owner?
No. A named driver only has permission to drive the car under the insurance policy; they have no legal ownership of the vehicle itself.
Can I add a named driver mid-policy?
Yes, you can contact your insurer or agent to add a driver at any time, though a small endorsement fee may apply.
