Compensation for Assessed Repair Time (CART) Malaysia | Car Insurance Add-On
When your car is at the workshop, your life doesn't stop. Most drivers assume they can simply claim back their Grab receipts from the insurer later — but that's rarely how it works. If you want proper, reliable compensation while your car is off the road, the CART (Compensation for Assessed Repair Time) add-on is what you should look at.
It's an Assessment, Not a Stopwatch
The "Assessed" in CART is the key word. Payouts are based on the General Insurance Association of Malaysia (PIAM) and Bank Negara Malaysia's standard CART scale, which sets the daily compensation rate according to your vehicle's engine capacity.
But here's the part people get wrong: the number of days you're compensated for isn't fixed by a universal table — it's decided by the insurer's independent loss adjuster, based on how long they assess your specific repair should reasonably take (insurers may also apply an extra grace period for unforeseen delays).
Scenario: If the loss adjuster assesses your bumper repair at 3 days, but your workshop takes 10 days because they're busy, you're compensated for 3 days (plus any grace period your insurer allows) — not the full 10.
Insurers and Takaful Operators-Repairers Code of Conduct
Bank Negara Malaysia introduced the Insurers and Takaful Operators-Repairers Code of Conduct in 2025, with input from PIAM, the Malaysia Takaful Association, and workshop industry bodies. The Code sets minimum standards for how insurers and repairers handle motor claims — which also means loss adjusters are expected to be more precise and consistent with CART assessments. Choosing a higher daily CART rate on your add-on can be the difference between a stressful commute and a seamless one while your car's in the shop.
Drive+ : Benefits More Than Just Car Insurance
RM40 battery replacement voucher — Long workshop stays can drain a car battery. Drive+ members can get a RM40 voucher for battery replacement as part of their tier's Loyalty Rewards.
Flexible payment options — You can pay for your CART add-on via EPP or Atome instalments; check ongoing campaigns and promotions for any active discount codes.
Terms and conditions apply.
Not sure if your current policy already has CART, or whether it's worth adding when you renew? Compare your car insurance options with PolicyStreet and see which add-ons actually make sense for how you drive — no obligation, just a clearer picture before you decide.
Frequently Asked Questions
1. How do I claim CART?
If you have the CART add-on and you're claiming under your own "Own Damage" cover, the insurer calculates your payout based on the loss adjuster's assessed repair days and pays it directly to you.
2. Can I get a CART if the other person hit me?
Yes, but the process is different. If you're not at fault, you claim "Loss of Use" (CART) directly from the other party's insurer under a Third Party Property Damage claim, based on the standard PIAM/BNM rate for your vehicle's cc — no add-on needed. The CART add-on mainly matters when you're at fault and claiming under your own Own Damage policy, since a standard OD policy usually doesn't cover loss of use on its own.
3. Is there a limit to how many days CART covers?
Yes, coverage is usually capped at a set number of days per year (commonly in the range of 7, 14, or 21 days, depending on the plan).
4. Is CART the same as a rental car benefit?
No. CART pays out cash, while a rental car benefit provides an actual replacement vehicle. Cash tends to be more flexible for drivers who rely on e-hailing instead of driving themselves.
