It takes less than 10 minutes to purchase or renew your SmartDrive Safe Motor Insurance here. It is simple and fast, and you will earn reward points too!
Earn ePoints Earn 10x ePoints when you purchase or renew insurance online.
Automatic Accident Alert & Emergency Assistance Response (eCall) When your vehicle gets into severe accident and triggers the alert, you will receive eCall for prompt assistance.
Breakdown & Emergency Roadside Assistance (bCall) In the event of car breakdown or emergency, press the SOS button on Microtag. Our 24/7 Call Centre will call you and provide immediate assistance.
Safe Driving Alert (SDA) Real time friendly ‘beeping’ alerts that notify you on unsafe events, prevent phone distractions and speeding whilst keeping your passengers safe.
Safe Driving Points Get rewarded by driving safe. The safer you drive, the more points you will earn. Use your points to redeem the e-vouchers.
Key Care Protection Up to RM1,500 for loss or damage to your car key due to theft, robbery or house break-in.
Flood Relief Allowance Up to RM1,500 in the event of damage to your car due to flood.
Free 24/7 Emergency Towing up to 200km Dial our 24-hour hotline service 1800-88-1033 for towing services up to 200km when your vehicle meets an accident or breaks down.
All Drivers Extension Get waiver of RM400 compulsory excess in the event of a claim by unnamed drivers of your vehicle.
Product & Coverage
Protection against the unforeseen
SmartDrive Safe Motor Insurance provides you and your car with comprehensive protection – many extra value added benefits, and around the clock assistance when you need it most.
SmartDrive Safe Motor Insurance
SmartDrive Safe Motor Insurance covers:
Loss or damage to your own vehicle due to accidental fire, theft or accident.
Your liability or your authorized drivers’ liability to third parties for
bodily injury or death;
damage to property
Minimum Sum Insured
Maximum Sum Insured
RM500,000 (> RM500,000 acceptance on case-to-case basis by Generali)
1 year (renewed annually)
17 to 20 years old (a premium loading of 15% will apply)
70 years old
Road protection at the touch of a button
The first-of-its-kind telematics motor insurance that comes with Microtag for peace of mind during emergency
Generali SmartDrive Safe Motor Insurance is an innovative motor insurance plan that comes with a wire-free and self-powered Microtag to provide emergency roadside assistance at the touch of a button.
The Microtag connects with Generali SmartDrive Safe Motor Insurance app via Bluetooth for Automatic Driver Recognition, helping you to reduce distractions on the road and focus on driving safely.
SmartDrive Safe Motor Insurance can be extended to include coverage for:
SmartDrive Safe Motor Insurance can be extended to include coverage for:
Breakage of glass in windscreen, window or sunroof
Legal liability to passengers
Legal liability of passengers for negligent acts
Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature
Buy or renew your SmartDrive Safe Motor Insurance at your own convenience
10 minutes is all it takes to buy or renew your motor insurance here. Please ensure you have the following information before you proceed to apply online:
Your vehicle registration number
Vehicle registration card number
Note: You can obtain this information from your vehicle registration card.
How to Claim
How to Make A Claim
What should I do if I have a car accident?
You should take down the vehicle registration number(s) of vehicle(s) involved and the name(s) of the other person(s) involved in the accident. Do not admit liability or make any offer to a third party. If you have a camera with you, it is a good idea to take photographs of the accident scene.
A police report must be lodged within the next 24 hours at the nearest police station of the accident site. You can call Generali’s nearest panel repairer for immediate assistance or you can notify Generali immediately by submitting the motor claims form.
Where can I get more information on making a claim?
Click here for a step-by-step guide on making a claim.
Who are Generali’s panel repairers?
Please click here for the full list of Generali’s Panel Repairers.
Please click here for the full list of Generali’s Preferred Panel Repairers.
How long will my claim take to process?
Once all the necessary documentations have been obtained and there are no outstanding matters, Generali aims to provide payment within 5 working days.
Who should I contact for further assistance on claims queries?
For further assistance, please call Generali Customer Service at 03-2170 8282 from 9am to 5pm, Monday to Friday (excluding Public Holidays) or write to email@example.com Generali will provide a reply within 1-3 working day.
Frequently Asked Question
For assistance, please call Generali Customer Service at 03-2170 8282 from 8.30 am to 5.30 pm (Monday to Friday) or email Generali at firstname.lastname@example.org. If you encounter any problem with your vehicle, please contact our 24-Hour Motor Roadside Assistance Hotline at 1-800-88-1033 for assistance.
This insurance plan is underwritten by Generali Insurance Malaysia Berhad and distributed by Generali Insurance Malaysia Berhad.
How is my Motor Insurance premium calculated?
Effective 1 July 2017, motor insurance in Malaysia has been de-tariffed. Insurance companies will be able to practice risk-based pricing and use their own method to calculate premiums for car insurance, based on the risk profile of the customer. For more information on motor insurance detariffication and how it affects you, here.
How do I decide what value to insure my car for?
Newly purchased vehicle : The insured value should be equivalent to the purchase price.
Previously registered vehicle: The insured value should be equivalent to the ‘market value’.
Alternatively, you can contact Generali Customer Service at 03-2170 8282 for assistance in determining the insured value of your car.
What is the information required to apply for Motor Insurance?
Please ensure you have your Vehicle Registration Number before applying.
Can I purchase a Third Party Cover with Motor Insurance?
Motor Insurance only offers a comprehensive coverage which offers the widest form of coverage. The policy covers loss or damage to or theft of the vehicle and the liability to third parties for death or bodily injury as well as damage to property.
Can I purchase Motor Insurance to cover my motorcycle or commercial vehicle?
Currently, you can only insure your Private Car with Motor Insurance.
What is a “No Claim Discount” (NCD)?
If you are insured under a comprehensive coverage for 12 consecutive months with no claim made on your policy, either by yourself or a third party, you will be entitled to a No Claim Discount (NCD) upon renewal of your policy.
Period of Insurance
NCD % for private car
After the 1st year of insurance
After the 2nd year of insurance
After the 3rd year of insurance
After the 4th year of insurance
After the 5th year of insurance
The percentage of your NCD increases with the number of claim free years. Your NCD will revert back to 0%, if you or a third party has made a claim on your Motor Insurance during the period of cover, with the exception of extended cover for Windscreen and No-fault Own Damage claims.
Please contact Generali Customer Service at 03-2170 8282 if you need to make a No-fault Own Damage claim against your policy.
Will I have NCD if this is my first time purchasing a car?
If you are buying a car for the first time, you will not enjoy NCD on your Motor Insurance for the first year. However, when you have at least one claims-free year, you will be rewarded with a 25% NCD on your premium upon renewal.
Can I transfer my NCD to another vehicle?
If you are changing your car, your NCD can be transferred to the new car you are purchasing. If you do not transfer your NCD to another car, your NCD entitlement level will drop one level each year, until it reaches 0%.However if you are purchasing an additional car, you cannot apply your NCD to both cars – you will need to build up a new NCD on one of the cars. You are also not allowed to transfer your NCD to another person.
Can I extend my Motor Insurance to cover windscreen, strike/riot, flood and others?
Yes, to enhance your standard cover, you may add any of the additional coverage listed below:
Driver’s & Passengers’ Personal Accident (DPPA)
Breakage of glass in windscreen, window or sunroof
Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
Legal liability of passengers for negligent acts
Legal Liability to Passengers
Strike, riot and civil commotion
Compensation for assessed repair time
Gas conversion kit and tank
Extension to Thailand
No Claim Discount (NCD) relief
Are there any vehicles that require special consideration prior to acceptance?
Yes, special consideration applies to selected vehicles such as 4 wheel drives (4WD), luxury vehicles and sports/coupe models which result in higher loading and/or higher excess.
What is an ‘excess’?
An ‘excess’ is the amount of loss you have to bear before the insurer will pay for the balance of your vehicle damage claim.For example, if your Motor Insurance excess is RM200, you will have to pay for the first RM200 of any claim. You are not entitled to claim for an accident that results in damage below this amount. Excesses help to keep insurers’ administration costs lower by reducing the number of small claims, which in turn allow insurers to offer you with lower premiums.
How is my ‘excess’ level decided?
Excess levels are set at the discretion of the insurer. There are two types of excess levels:’
Compulsory Excess‘ of RM400 is applicable if your vehicle is driven by a person:
who is under the age of 21 years
who is the holder of a Provisional Driving Licence (L-Licence)
who is the holder of a Probationary Driving Licence (P-Licence)
who is less than the age of 21 years and/or the holder of a Provisional Driving Licence (L-Licence) and/or the holder of a Probationary Driving Licence (P-Licence)
‘Other Excess‘ will be stated in the Schedule, where applicable.
Can I still enjoy no excess if I have made claims before?
It depends as different terms may have to be applied if you have made claims (excluding Windscreen and Knock-for-Knock claims) during the past 3 years. The most commonly used factors are your age, cubic capacity (engine CC), specific claims experience of your vehicle and re-conditioned vehicle. Generali can apply a loading on you to ensure that the amount charged commensurate with the risk borne.
Where can I find my BHPetrol eCard number?
Your BHPetrol eCard number is the 16 digit number printed on the front of your BHPetrol eCard. If you are eCard mobile app user, you can find your eCard number in your profile page.
How will the reward points be allocated to my BHPetrol eCard?
BHPetrol will award 10x ePoints for each ringgit spent on your Motor Insurance (i.e. RM1= 10 ePoints)
Example: Motor Insurance premium RM500 = 5000 ePoints
Will I received 10x ePoints if I purchase/renew Motor Insurance through SmartDrive at others website?
No. You will only be awarded 10x ePoints when you purchase/renew Motor Insurance through BHPetrol website.
Will I get the ePoints instantly when I purchase/renew the motor insurance through BHPetrol website?
BHPetrol will only award 10x ePoints to you by end of the following month.
What do “Local” and “Import” vehicles mean?
Local: Vehicles that are locally assembled.
Import: Vehicles that are assembled overseas and shipped to Malaysia.
What does “Condition” mean?
Registered: Existing owned car.
New Registration: Insuring a new car i.e. getting a road tax for the first time
Registered – Transfer Owner: Insuring a used car i.e. getting an existing road tax transferred to your name for the first time
Where can I obtain information on my “Vehicle Reg. No”, “Vehicle Reg. Card No”, “Engine No”, “Chassis No” and “Engine Capacity”?
You may refer to your vehicle registration card to obtain this information.
What does “Use of Vehicle” mean?
Private Use: Use only for the following purposes: social, domestic and pleasure.
Business Use: Use only for the following purposes: social, domestic, pleasure and business specifically in relation to the Company
What does “Comprehensive” coverage mean?
This is the widest form of cover. The policy covers loss or damage to or theft of the vehicle and the liability to third parties for death or bodily injury as well as damage to property.Examples of covers for loss or damage to the vehicle under the policy are:
Fire, explosion or lightning
Burglary, house breaking, theft
How do I check my NCD level?
There is a link in the webpage that automatically directs you to the ISM system where you would be able to check your NCD level.
What should I do if the NCD level provided by ISM is inaccurate?
You became aware that the NCD level provided by ISM was inaccurate:
Scenario 1: BEFORE making payment
You can proceed with the payment based on the inaccurate premium displayed and subsequently write to email@example.com for a refund. Generali will refund the difference to you by crediting your Credit Card within 10 working days, upon correction and confirmation with ISM.
Scenario 2: AFTER making payment
Please write to firstname.lastname@example.org for a refund Generali will refund the difference to you by crediting your Credit Card within 10 working days, upon correction and confirmation with ISM.
Please contact Generali Customer Service at 03-2170 8282 should you require any assistance.
What should I do if the JPJ system is down?
Please call Generali Customer Service for assistance at 03-2170 8282 from 9am to 5pm, Monday to Friday (excluding Public Holidays) or write to email@example.comIf your car insurance is due within today or tomorrow, please drop-by at your nearest Generali branch to avoid any delays in renewing your car insurance policy.
What does “Sum Insured” mean?
This refers to the maximum amount that an insurance company will pay out in the event of a claim. When selecting the sum insured, you should:
Make a selection equivalent to the market value; and
Make the necessary allowance for any anticipated decrease in value during the year.
You may also click on “Check Vehicle Sum Insured” to reconfirm your vehicle market value.
What is “Policy Commencement Date” and “Policy Expiry Date”?
“Policy Commencement Date” is the date (not earlier than the current date) that you would like to insure your vehicle and “Policy Expiry Date” is one year after the “Policy Commencement Date”.
What does “Usual Parking Location” mean?
“Usual Parking Location” refers to the frequent area where you park your car.
What do “Safety Features” refer to?
This refers to airbags and anti-lock braking system (ABS) that minimizes the occurrence and consequences of road accidents.
What does “Anti Theft” refer to?
This refers to a device installed on a vehicle to prevent thefts. For example, mechanical locks on the steering wheel or an alarm system.
What is “Additional Coverage”?
Driver’s & Passengers’ Personal Accident (DPPA) This is a separate policy that provides protection to both you and your passengers against bodily injury in the event of a road accident. The benefits include Death, Permanent Disablement and Medical Expenses etc. Refer to the full list of benefits in the brochure, available on the Product & Coverage tab of this website’
Breakage of glass in windscreen, window or sunroof This cover provides protection against the breakage of glass in windscreens, windows and sunroofs. Your No-Claims Discount (NCD) will not be affected if this additional coverage is extended.
Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved This cover provides protection against damage to your car caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved.
Legal liability of passengers for negligent acts This cover provides protection against any legal liability acts of negligence brought against your Passengers.
Legal liability to passengers This cover provides protection against any legal liability brought against you by any of your Passengers. (This coverage is compulsory if you drive your car in Singapore.)
Vehicle accessories This cover provides protection against loss or damage to specific accessories that are not fitted by the manufacturer of the vehicle. Examples of vehicle accessories are stereo players and sports rims. Your No-Claims Discount (NCD) will not be affected if this additional coverage is extended.
Strike, riot and civil commotion This cover provides protection against loss or damage to your car caused by strike riot and civil commotion.
Compensation for assessed repair time This additional coverage may only be extended for comprehensive private car policies. This cover provides benefits following a claim (including Own Damage Claim [excludes windscreen, theft and total loss], Own Damage Knock-for-Knock and Third Party Claim).The benefit payable is based on the loss adjuster’s assessment of the time required for repairs and NOT for the period of time the car is laid up at the workshop. Generali’s determination of the assessed repair time required shall be final.The benefit is payable for partial losses (excluding windscreen, theft and total loss) of the insured vehicle based on the following scale:-
Amount per day
Aggregate days of claim at any one policy
7, 14 or 21
7, 14 or 21
Additional Premium: 10% of the aggregate sum insured
Gas conversion kit and tank This cover provides protection for the gas conversion kit and tank against loss or damage. Any claim made under this endorsement will not affect your No Claim Discount (NCD) entitlement and you shall not be liable for any specified excess as stated in the Policy.
Extension to Thailand This cover extends the geographical area of the policy to the Kingdom of Thailand (excluding Third Party Bodily Injury). A standard motor policy’s geographical area is limited to Malaysia, Republic of Singapore and Brunei Darussalam.
No Claim Discount (NCD) Relief This additional coverage may only be extended for Comprehensive Private Car policies. This cover provides protection against the loss of “No Claim Discount” (NCD) following a claim.
Unnamed Drivers This cover allows any authorized person(s) to drive your car.
What happens after the online application has been completed?
Upon successful payment of the premium, a confirmation email, which includes the official payment e-receipt and policy schedule, will be sent to you immediately. At the same time, your eCover Note information will be transmitted to JPJ for your road tax renewal.
What happens if the online webpage is under maintenance?
You are advised to log in and try again later to ensure a safe and secure transaction.
Terms and Conditions
NOTICE PLEASE ENSURE THAT YOU HAVE READ ALL TERMS AND CONDITIONS HEREIN. PLEASE NOTE THAT YOU SHALL BE DEEMED TO BE BOUND BY THE TERMS AND CONDITIONS BELOW BY ACCESSING THIS SITE AND ANY OF THE PAGES HERETO. IF YOU DO NOT AGREE TO THE TERMS AND CONDITION HEREIN YOU ARE TO LEAVE THIS SITE IMMEDIATELY.
COPYRIGHT BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) OWNS ALL COPYRIGHT TO ALL INFORMATION, MATERIALS AND ARRANGEMENT DISPLAYED IN THE PAGES AND SCREENS OF BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) UNLESS OTHERWISE INDICATED.
TRADEMARK THE TRADEMARK “BHPETROL” IS THE TRADEMARK AND SERVICE MARK OF BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)).
USE OF INFORMATION AND MATERIALS THE INFORMATION AND MATERIALS CONTAINED IN THIS PAGE ARE SUBJECT TO CHANGE AT THE DISCRETION OF BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)). ANY UNAUTHORISED USE OF BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T))’S WEBSITE IS HEREBY PROHIBITED. PRODUCTS AND SERVICES ARE SUBJECT TO AVAILABILITY. YOU ELIGIBILITY FOR A PARTICULAR PRODUCT AND OR SERVICE IS SUBJECT TO THE FINAL DETERMINATION AND DISCRETION OF BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) AND OR ITS SUBSIDIARIES AND OR AFFILIATES.
NO WARRANTY ALL INFORMATION CONTAINED IN THIS WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” CONDITION. BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION HEREIN. BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) HEREBY DISCLAIMS ALL LIABILITY FOR ANY ERROR OR OMISSION IN THE INFORMATION CONTAINED IN THIS WEBSITE. BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) ALSO DOES NOT GIVE ANY WARRANTY ON THE NON-INFRINGEMENT OF ANY THIRD PARTY RIGHTS, TITLE, FITNESS FOR PURPOSE AND MERCHANTABILITY AND FREE OF COMPUTER VIRUS.
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SUBMISSION ALL INFORMATION SUBMITTED TO BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) THROUGH THIS WEBSITE SHALL BE DEEMED THE PROPERTY OF BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)). BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) SHALL BE FREE TO USE ALL INFORMATION PROVIDED IN THE WEBSITE. BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) SHALL NOT BE SUBJECT TO ANY OBLIGATIONS OR CONFIDENTIALITY IN RELATION TO THE INFORMATION SUBMITTED EXCEPT AS EXPRESSLY AGREED BY BOUSTEAD PETROLEUM MARKETING SDN BHD (196401000488 (5783-T)) AND AS REQUIRED BY THE LAW.
AVAILABILITY THIS WEBSITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO THE LOCAL LAWS.
ADDITIONAL TERMS THERE ARE SECTIONS OR PAGES ON THIS WEBSITE THAT MAY CONTAIN SEPARATE TERMS AND CONDITIONS. IN THE EVENT OF A CONFLICT, THE TERMS AND CONDITIONS CONTAINED IN THE SAID SEPARATE TERMS AND CONDITIONS SHALL PREVAIL.
GOVERNING LAW ALL USE OF THIS WEBSITE SHALL BE GOVERNED SOLELY BY THE LAWS OF MALAYSIA.
The document herein is merely for general information only. It is not an insurance policy contract. All terms and conditions of the insurance policy shall be stated by Generali Insurance Malaysia Berhad (197501002042 (23820-W)) in their official insurance policy contract.
Please ensure that the insurance product is suitable to your needs and that you are able to pay the relevant premiums chargeable thereunder.
This document is not to be construed as an offer, invitation or solicitation by Boustead Petroleum Marketing Sdn Bhd (196401000488 (5783-T)) or any of its subsidiaries or affiliates to you to purchase the said insurance policy.
This document is prohibited from distribution in any place where the said distribution is unauthorized or is tantamount to unlawful act.
The insurance plan referred to herein is underwritten by Generali Insurance Malaysia Berhad (197501002042 (23820-W)).