RHBI MOTOR SAVER · FAQ
Everything you need to know.
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questions answered
ABOUT THE PRODUCT
About the product
What is RHBI Motor Saver?
RHBI Motor Saver is a mileage-based motor insurance plan for private cars in Malaysia. At renewal, you choose a plan based on how far you expect to drive that year. Drivers who stay within their chosen plan receive a rebate of up to 40% on their basic motor insurance premium.
Is RHBI Motor Saver the same as telematics insurance?
No. Telematics insurance tracks your driving behaviour through a device or app installed in your car. RHBI Motor Saver only requires your odometer reading at renewal — no hardware, no tracking app.
Is RHBI Motor Saver available to all car owners in Malaysia?
It is available to individual private car owners with a comprehensive RHBI motor policy, renewed annually. Motorcycles, commercial vehicles, Third Party, and TPFT policies are not eligible.
PLANS & PRICING
Plans & pricing
What mileage plans does RHBI Motor Saver offer?
Four plans, each named by its annual kilometre limit: the 5,000 km plan (40% rebate), the 10,000 km plan (25%), the 15,000 km plan (15%), and the 20,000 km plan (5%). All rebates apply to your basic motor insurance premium after your No-Claim Discount.
When is my rebate applied?
Instantly at renewal — deducted directly from your annual premium when you purchase your policy. There is no separate claims process and no waiting until year-end.
What if I drive more than my chosen plan?
A 500 km grace buffer extends your plan limit automatically. If you need more mileage, you can top up — contact your Agent or Principal office with your odometer reading, up to twice per policy year. Exceeding your plan does not cancel your cover or affect your claim; a proportionate premium adjustment applies.
HOW IT WORKS
How it works
How do I apply for RHBI Motor Saver?
Apply online at your next RHBI renewal. Select Motor Saver, choose your mileage plan, and submit your current odometer reading. No branch visit, no agent, and no documents required.
How does RHBI verify my mileage?
Your odometer reading is submitted when you apply and verified at renewal. No tracking device, dashcam, or mobile app is required. You can submit your reading at any of RHBI's 700+ panel workshops across Malaysia.
Can I change my mileage plan during the year?
You can top up to a higher plan mid-policy — up to twice in a single policy year. Downgrades are not permitted mid-policy. If you want a lower plan, select it at your next renewal.
ELIGIBILITY
Eligibility
What vehicles are eligible for RHBI Motor Saver?
Individual-owned private passenger cars with a comprehensive RHBI motor policy. Commercial vehicles, motorcycles, Third Party policies, and TPFT policies are not eligible.
Can I enrol mid-policy or only at renewal?
Renewal only. You cannot add Motor Saver to an existing policy mid-term. Your next renewal is the earliest you can enrol.
Does my No-Claim Discount (NCD) still apply?
Yes. Your NCD is applied to your basic premium first. The Motor Saver rebate is then calculated on the post-NCD amount. The two discounts stack.
Is RHBI Motor Saver Shariah-compliant?
RHBI Motor Saver is conventional motor insurance offered by RHB Insurance Berhad — not a Takaful product. RHB Insurance Berhad does not offer Takaful.