We are a global business that aims to deliver best-in-class customer and agent experiences. Part of the Liberty Global Retail Markets (GRM), one of Liberty Mutual Insurance’s Strategic Business Units; Liberty Global Retail Markets is an organization that aims to win in each market by combining global scale and capabilities with local knowledge, talent, innovation and agility. Our business is comprised of five business operations: U.S. Consumer Markets, GRM East, GRM West, Business Insurance and Accident and Health. They sell property, casualty and health insurance products and services to individuals and businesses in 16 local operations; in the United States, Latin America, including Brazil, Colombia, Chile and Ecuador; Europe, including Spain, Portugal, Ireland, and Russia; and Asia-Pacific, including Thailand, Singapore, China (including Hong Kong), Vietnam, India and Malaysia.

Headquarters Click to Visit Website ⇓
United States Liberty Mutual Insurance
Latin America Click to Visit Website ⇓
Brazil Liberty Seguros
Chile Liberty Seguros
Colombia Liberty Seguros
Ecuador Liberty Seguros
Europe Click to Visit Website ⇓
Ireland Liberty Insurance Ireland
Portugal Liberty Seguros
Spain Liberty Seguros
Russia Liberty Страхование
Asia Pacific Click to Visit Website ⇓
Hong Kong Liberty Insurance
Singapore Liberty Insurance
Thailand LMG Insurance
China Liberty 利宝保险
Vietnam Liberty Insurance
India Liberty General Insurance
Malaysia Liberty Insurance

Liberty Insurance demonstrates its operating principles towards its shareholders, customers, business partners, employees and agents in the following manner: 

Motor Insurance Detariff


Why Is Motor Insurance / Motor Takaful Being Liberalised?

Currently, motor insurance premiums/motor takable contributions are determined by tariffed rates based on model, age and engine capacity of vehicles, and discounts the form of NCO*. Starting 1 July 2017, the premium/takaful contribution for Motor Comprehensive and Motor Third Party and Theft products will be determined by individual insurance companies and takable operators. Liberalisation will drive fairer ways of pricing premiums/takaful contributions based on risk profiles, which will encourage road users to be more responsible. This will spur innovation with more products and services to meet different consumer needs for the ultimate benefit of the motoring public.


What are the Benefits?

More Choices. New and innovative products. Better Efficiency. Smoother and more efficient services Fairer Pricing. Premiums / takable contributions will be priced fairly based on risk profile groups


How you can make a difference.

Here are some useful tips:

Adopt Good Driving Behaviour

  • Maintain your No Claim Discount by driving safely and avoiding accidents.
  • Diligently follow traffic rules, including not using mobile phone while driving, to keep a clean record

Maintain Your Vehicle Well

  • Reduce the chances of accidents by following your car’s maintenance schedule.

Don’t Speed

  • Observe the speed limit at all times and drive safely
  • Use the speed lane only when you are overtaking other slow vehicles


Shop Around for the Best Option Compare premium / takaful rates offered by insurance providers / takaful operators to get the best value and coverage.



Watch this video and learn how you can make a difference in motor insurance.





Bahasa Malaysia Version

Insurans Motor; Kini, Anda Sebagai Konsumer Berhak Membuat Perubahan



Chinese Version



What happens in the even of a dispute or doubt?

In the event there is a dispute, consumers may contact:

Persatuan Insurans Am Malaysia (PIAM)
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Tel: 03-2274 7399


FAQs: Liberalisation of Motor Tariffs

Liberty Insurance demonstrates its operating principles towards its shareholders, customers, business partners, employees and agents in the following manner: 

Hotline 1 300 888 990