Pay-as-you-drive insurance being studied to lower costs for e-hailing drivers, Transport Ministry says

KUALA LUMPUR, Oct 28 — The federal government is studying dynamic insurance and takaful models that price coverage based on mileage and driver risk profiles, seeking to rein in escalating vehicle operating costs across the e-hailing industry.

In a written reply yesterday to Bakri MP Tan Hong Pin in the Dewan Rakyat, the Transport Ministry confirmed that a dedicated Inter-Agency Task Force (IATF) convened by Bank Negara Malaysia is spearheading efforts to restructure e-hailing insurance mechanisms and alleviate the financial burden on drivers.

Under the framework being considered, traditional fixed annual premiums could make way for usage-based policies calculated on a per-kilometre basis alongside individual risk ratings.

The ministry explained that aligning pricing directly with actual road time and trip volume is intended to create fairer, more responsive coverage tailored to the varying work patterns of gig-economy motorists.

The task force is also evaluating the integration of telematics technology, which monitors driving habits such as speed, acceleration, and braking patterns, to incentivise safer road behaviour and mitigate crash risks.

Concurrently, the government is exploring deeper data-sharing protocols between e-hailing platform operators and underwriters to improve risk assessment accuracy and streamline accident claims verification.

The long-term reform brings together the Transport Ministry, Bank Negara, the Land Public Transport Agency (APAD), the Road Transport Department (JPJ), insurance and takaful providers, and e-hailing driver associations under a coordinated inter-agency framework.

The ministry reiterated that valid motor insurance remains a strict statutory obligation under Section 90(1) of the Road Transport Act 1987, enforced by JPJ to ensure financial indemnification for drivers, passengers, and third parties involved in road traffic collisions.

Wider social safety protections for the gig sector remain distinct from vehicular coverage, falling under the purview of the Human Resources Ministry through the Employees' Social Security Act 1969, the Self-Employment Social Security Act 2017, and the Gig Workers Act 2025.

However, the parliamentary reply stopped short of committing to an implementation timeline or projecting the expected percentage drop in premium expenses for drivers.

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吉隆坡，10 月 28 日讯——联邦政府正在研究动态保险和伊斯兰保险模式，根据里程和驾驶员风险状况来确定保险价格，以遏制网约车行业不断上涨的车辆运营成本。

交通部昨天在国会下议院书面答复巴克里国会议员陈鸿宾时确认，由马来西亚国家银行召集的专门跨部门工作组（IATF）正在牵头重组网约车保险机制，以减轻司机的经济负担。

根据正在考虑的框架，传统的固定年保费可能会被按公里数计算的使用量保单以及个人风险评级所取代。

该部门解释说，将定价与实际道路时间和出行量直接挂钩，旨在创造更公平、更灵活的保险覆盖范围，以满足零工经济驾驶者不同的工作模式。

该工作组还在评估将远程信息处理技术（该技术可监控速度、加速度和制动模式等驾驶习惯）整合到交通运输系统中，以激励更安全的道路行为并降低碰撞风险。

与此同时，政府正在探索网约车平台运营商和保险公司之间更深入的数据共享协议，以提高风险评估的准确性并简化事故索赔核实流程。

这项长期改革将交通部、国家银行、陆路公共交通机构 (APAD)、陆路交通局 (JPJ)、保险和伊斯兰保险公司以及网约车司机协会纳入到一个协调的跨部门框架下。

该部重申，根据 1987 年道路交通法第 90(1) 条，有效的机动车保险仍然是一项严格的法定义务，由陆路交通局 (JPJ) 强制执行，以确保道路交通事故中涉及的驾驶员、乘客和第三方获得经济赔偿。

零工行业的更广泛的社会安全保障与车辆保险保障有所不同，属于人力资源部的管辖范围，依据是 1969 年《雇员社会保障法》、2017 年《自雇人士社会保障法》和 2025 年《零工工作者法》。

然而，议会的答复并未承诺实施时间表，也没有预测驾驶员保费支出预计下降的百分比。

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