How much can safe drivers save with Cermat Madani?

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Safe Drivers Can Achieve Up To 65 Per Cent Savings on Motor Insurance Under Cermat Madani Initiative

Motorists demonstrating good driving records stand to benefit from substantial savings on their motor insurance, potentially reaching up to 65 per cent through the Cermat Madani initiative. This programme introduces an additional risk-based rebate, which is applied on top of existing no-claim discounts, thereby directly rewarding responsible driving behaviour. The framework is designed to ensure that individuals who consistently drive safely and maintain low-risk profiles are not equated with those who have a higher propensity for offences or riskier driving habits.
Additional Rebate for Low-Risk Drivers

Under the Cermat Madani framework, drivers identified as low-risk may qualify for an additional insurance rebate of up to 10 per cent. This benefit is contingent upon the evaluation and decision-making processes of the participating insurers and takaful operators. The core principle of this initiative is to differentiate pricing based on individual risk profiling, moving beyond generic commercial discounts or promotional offers.
Layered Savings Mechanism

The new risk-based rebate is designed to be layered onto the existing no-claim discount (NCD), which can currently reach up to 55 per cent. By combining these two components, eligible motorists can achieve a cumulative saving of up to 65 per cent on their motor insurance premiums. This layered approach ensures that the rewards for safe driving are significant and clearly communicated.
Broader Road Safety Intervention

Beyond its function as an insurance system reform, Cermat Madani is also positioned as a road safety intervention. The initiative aims to foster a culture of safer, more responsible, and disciplined driving by utilising economic incentives. By financially rewarding responsible drivers, the government seeks to positively influence driving behaviour across the nation, ultimately contributing to improved road safety and community wellbeing.

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How much can safe drivers save with Cermat Madani?

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