Reducing Your Car Insurance With Tune Protect

As Malaysians are embracing the concept of work-from-home (WFH) practice, Tune Protect is finding ways to help Malaysians in saving on their car insurance with their Pay-As-You-Drive (PAYD) coverage.

PAYD is an opt-in feature of Tune Protect Malaysia`s Motor Insurance plan which rewards car owners with low mileage a refund up to 20% of the basic premium paid. The plan operates by referring to the vehicle’s mileage data that is recorded from the odometer, stating the kilometers driven to-date.

For those who opt-in for the PAYD, they will receive a personalised URL link via SMS and email to submit photographs of their vehicle’s odometer reading thrice during the duration of the year. These submission points are at the inception of the motor insurance policy, 180 days after inception, and at the point of expiry.

Who are eligible you may ask?  Private car owners who are between the ages of 28-65 years and who own vehicles aged between 0-10 years with sum insureds ranging between RM40,000 to RM300,000 will be qualified to opt-in for the PAYD benefit when subscribing to Tune Protect Motor insurance.

PAYD uses a tier system, where customers get to enjoy up to 20% refund on their basic motor insurance premiums if their mileage usage is between 0-6,000km, and a 15% refund if it falls between 6,001km to 8,000km at the expiry of the policy. PAYD is a complementary plan that is free of charge and the refund is on top of the vehicle’s No Claim Discount (NCD).

PAYD was first introduced in August 2019 in support of a greener environment, helping reduce urban stress of commuting on roads, and to encourage the use of public transportation such as LRTs and MRTs in easing road congestions in the country. The growing urbanisation has resulted in the increased number of vehicles on Malaysian roads which in turn contributes to the pollution of the environment due to the release of concentrated exhaust fumes from these vehicles.

For more information about Tune Protect PAYD or to purchase Tune Protect Malaysia Motor Insurance plan, please visit their website at

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