How to cancel Allianz car insurance in malaysia and reclaim your refund
What Allianz car insurance covers in malaysia
Allianz General Insurance Company (Malaysia) Berhad is one of Malaysia's leading motor insurers, providing comprehensive and third-party motor cover across the country. When you purchase an Allianz car policy, you are buying financial protection against vehicle damage, theft, accidents, and third-party liability claims. That protection is governed by the laws of Malaysia and administered through Allianz's service centres, including the primary Customer Service Centre at Allianz Arena in Kuala Lumpur Sentral.
How Allianz policies work and renewal cycles
Allianz car insurance policies renew annually unless you actively cancel them. If you have set up automatic renewal and your premium payment method remains valid, your policy will renew on each anniversary date without requiring your explicit re-approval. This means that if you forget to cancel, another year of premiums will be charged automatically. Consequently, cancellation must be submitted well before your renewal date to prevent an unwanted charge.
Your policy schedule clearly states your next renewal date and current coverage end date. You should check both now, before contacting Allianz to cancel. The exact timing of your cancellation request affects whether you receive a refund and how much.
The products Allianz offers and what you are paying for
Allianz's motor insurance range includes basic third-party cover and comprehensive policies. The table below shows sample monthly premium rates for Allianz's wider product suite to help you understand the cost structure:
| Product |
Coverage type |
Sample monthly rate (RM) |
| Allianz Motor Comprehensive |
Vehicle damage, theft, third-party liability |
Varies by vehicle |
| Allianz Motor Third Party |
Third-party liability only |
From RM20 |
| Allianz SmartMedic |
Medical protection |
RM50.00 |
| Allianz Critical Illness Insurance |
Critical illness cover |
RM60.00 |
| Allianz Personal Accident Insurance |
Personal accident protection |
RM15.00 |
Once your policy is cancelled and the termination date passes, all coverage stops immediately. You will no longer be protected against accidents, theft, or liability claims. If you are switching to another insurer, ensure your new policy starts on or before the date your Allianz cover ends to avoid any uninsured gap.