Drivers with clean records stand to save more on motor insurance under the new “Cermat Madani” programme, launched by Transport Minister Anthony Loke on June 9.
The scheme announced on June 9 adds a 10% rebate on top of the existing No-Claim Discount (NCD). Since the NCD can already go as high as 55% for private cars, a driver who maxes out both could shave 65% off their renewal premium — though exactly how much each person gets depends on how their insurer scores them.
For the first three months — June 9 to Sept 9, 2026 — the 10% rebate is given out automatically to anyone renewing through the MyJPJ app. No risk scoring, no conditions.
From Sept 10, that changes. Insurers will start pulling your summons history from JPJ and the police to decide whether you qualify. Local council summonses are left out for now.
Each insurer runs its own AI-based scoring model, so the threshold won’t be identical across the board.
Ten insurance companies signed up at launch. Loke was clear that the rebate comes from them, not JPJ.
For now, the scheme only applies to renewals done through MyJPJ and the participating insurers.
