RHBI MOTOR SAVER · HOW MUCH YOU SAVE
Pay less when you drive less.
Here is exactly how much less.
Motor Saver rebates are applied at renewal — deducted directly from your premium. The table below shows illustrative savings across three common Malaysian vehicles, three NCD levels, and all five mileage plans.
RM 660
maximum annual saving — Honda City 1.5L, NCD 0%, 5,000 km plan (illustrative)
ILLUSTRATIVE SAVINGS BY VEHICLE AND NCD
Find your car. Find your saving.
Figures are illustrative. Actual saving based on your selected plan, verified odometer reading, and premium quoted by RHB Insurance Berhad at renewal. Basic premium estimated from tariff rates applied to illustrative market values.
| Mileage Plan | NCD 0% Saves | NCD 25% Saves | NCD 55% Saves |
|---|---|---|---|
| 5,000 km plan40% rebate applied upfront | RM 660 | RM 500 | RM 300 |
| 10,000 km plan25% rebate applied upfront | RM 410 | RM 310 | RM 180 |
| 15,000 km plan15% rebate applied upfront | RM 250 | RM 190 | RM 110 |
| 20,000 km plan5% rebate applied upfront | RM 80 | RM 60 | RM 40 |
| > 20,000 kmNo rebate | RM 0 | RM 0 | RM 0 |
Figures are illustrative. Actual saving depends on your vehicle, NCD, and selected plan.
All figures are illustrative. NCD = No Claims Discount — 0% for new or post-claim drivers; 25% at year 2; 55% maximum after five claim-free years. Rebate percentages cited verbatim from RHBI Motor Saver mileage plan tiers. Saving = reduction in basic premium versus same vehicle at standard rate. Does not include stamp duty, service tax, or optional riders.
IF YOU EXCEED YOUR PLAN
Your claim is still valid.
Driving more than your selected plan doesn't void your cover. Instead, you bear part of your own loss in the same percentage as your premium rebate — not scaled to how far you exceeded your plan.
Worked example
On the 5,000 km plan (40% rebate), your claim is still paid if you exceed your limit — you bear 40% of the repair cost for damage to your own car, RHB covers the remaining 60%.
A 500 km grace buffer applies before this condition takes effect, giving you time to upgrade to a higher plan. It applies to Section A benefits — loss or damage to your own car.
HOW IT WORKS
One check at renewal. Rebate applied instantly.
Choose a mileage plan when you renew — 5,000 km, 10,000 km, 15,000 km, or 20,000 km.
At renewal, submit a photo of your odometer to confirm your current mileage. No device, no app, no mid-year submissions.
If your odometer reads within your plan limit, the rebate is deducted from your premium before you pay.
MOST RELEVANT FOR
WFH and hybrid drivers.
Malaysia has 474,0001 employees on flexible work arrangements. Most WFH drivers clock between 8,000 and 10,000 km per year — well within the 10,000 km plan. At NCD 55%, a Honda City driver on the 10,000 km plan saves RM 180 per year (illustrative).
If your driving has reduced since switching to hybrid work, Motor Saver prices that reality.
1 Malaysia FWA employee figure — SAYS.my / DOSM data.
Calculate your exact saving.
These figures are illustrative. Enter your actual premium and annual mileage — get your exact rebate in 30 seconds.
RHBI Motor Saver is a product of RHB Insurance Berhad (Reg. No. 197301003494). Motor insurance is subject to approval.