Additional 10% Insurance Discount For Responsible Driver

Motorists with good driving records could see total motor insurance savings of up to 65 per cent under the Cermat Madani initiative, which introduces an additional risk-based rebate on top of existing no-claim discounts. Transport Minister Anthony Loke said the framework is designed to better reflect driving behavior in insurance pricing, rewarding low-risk motorists through data-based assessments.

Responsible drivers should not be treated the same as those with higher-risk driving records.
He stressed that the benefit is based on individual risk profiling rather than commercial discounts or promotional offers. Under Cermat Madani, drivers who drive responsibly and are assessed to have lower risk profiles may be considered for premium benefits of up to 10 per cent, subject to the evaluation and decision of participating insurance companies or takaful operators.

This additional rebate will be layered on top of the existing no-claim discount (NCD) of up to 55 per cent, allowing eligible motorists to potentially enjoy total savings of up to 65 per cent. The system will later be strengthened through wider use of data to improve the accuracy and fairness of risk-based pricing.