Setel Axa Lockup

The easy way to renew motor insurance!

Purchase motor insurance in 3 easy steps with Setel and enjoy a RM50 cashback*

*Terms & conditions apply.

Protect your vehicle & get rewarded

Enjoy RM50 cashback* when you purchase motor insurance with Setel (minimum spend of RM500).

Buckle up, motor insurance is now on Setel.

Manage your motor insurance from quotation to policy purchase all in one place.

A seamless journey on the road starts with smarter protection.


Instant quotation

Get a quote within several minutes on your phone. No paperwork, no agents. 100% online.


Fast approval

Purchase online and receive your e-policy quickly via email so you can be road-ready in no time!


Get rewarded

Earn Mesra points* with your motor insurance coverage. Redeem your points for fuel and exciting rewards.
Spot Icon Cashback

Instant cashback

Earn a RM50 cashback* when you renew on Setel (min.spend RM500).

*Terms & conditions apply

Why is Setel better (than your agent)?

BenefitSetelYour agent
Provides e-policySuccessError
Safeguards your data privacySuccessSuccess
Online vehicle details managementSuccessError
Instant quotation in a clickSuccessError
Get rewarded with Mesra pointsSuccessError
Online paperworkSuccessError
One place to manage all your motoring needs (fuel, pay at auto service, fuel cashback via CardTerus, parking at KLCC - and more coming soon!)SuccessError

It's so easy to renew on Setel


Step 1

Open the app and select Motor Insurance at the home page.

Screen Motor Insurance 1

Step 2

Check the renewal criteria and provide vehicle information.

Screen Motor Insurance 2

Step 3

Customise coverage plan and enter personal details.

Screen Motor Insurance 3

Step 4

Complete payment and receive e-policy via email.

Screen Motor Insurance 4

Step 5

Check out the Motor Protector badge you’ve unlocked under¬†Rewards¬†>¬†My Badges.

Screen Payment History

Step 6

Enjoy! RM50 cashback will be credited into your Setel Wallet.

Discover AXA SmartDrive Enhanced

Setel currently offers AXA SmartDrive Enhanced – a private, comprehensive plan for cars with optional e-hailing coverage. With the insurance plan, you will get:

Free Towing

Free towing

Towing service for vehicle accidents and breakdowns up to 30km.

24 7 Emergency Road Assistance

24/7 Emergency Road Assistance

Get 24-hour support at AXA’s hotline 1800-88-1033.

E Hailing Coverage

E-hailing coverage

Provide coverage for e-hailing drivers via optional add-on (E-hailing).

Fast Claims Approval

Fast claims approval

3 working days for claims below RM10,000* with AXA preferred workshops.

Repair Warranty

Repair warranty

Enjoy a 12-month warranty for repairs by AXA’s Preferred Workshops and 6-month warranty at AXA’s other Panel Repairers.

Customisable Add Ons

Customisable add-ons

Enhanced protection with add-on covers such as windscreen, natural disasters such as floods, and more.

Risk Based Pricing

Risk-based pricing

Enjoy potentially lower premium (detariffed rates) if you have a safer risk profile.

Learn more about AXA SmartDrive Enhanced.

Frequently asked questions


Currently, we offer insurance plans from AXA.


For more information on the plans provided, please refer to the specific motor insurance provider’s FAQ.

Currently, we do not provide this service. We’re working hard on future upgrades so stay tuned!

A receipt of the transaction and policy details will be sent to the email address registered with Setel.


Alternatively, you can check the transaction history in the Setel App. Kindly refer to the steps below:


  1. Click More at the bottom right.
  2. Select Payment history under PAYMENTS.

Of course!
You will be eligible if you meet all of the criterias below :


  1. motor insurance has not expired.
  2. not more than 2 months away from the motor insurance expiry date.
  3. not more than 1 claim in the last 2 years.
  4. the vehicle is less than 20 years old and for private use only.
  5. you are between 18-75 years old.

Calculation of the premium is done by assessing the condition of the car and the amount insured.

For a more detailed breakdown, please proceed to the quotation service in the Setel App.

Kindly refer to the steps below:

  1. Click More at the bottom right.
  2. Click on the Insure icon.

Yes, you can view the list of additional coverages available when requesting for a quotation.

All post-sales activities (claims, cancellation, etc.) are handled by the insurance company.


You can contact them at or through their customer hotline service at (+603) 2170 8282 every Monday to Friday from 8.30 AM to 5.30 PM (excluding public holidays) to cancel your insurance policy.

A refund of the premium would be based on the conditions stipulated in the policy contract.


For more information on the procedure, please refer to AXA’s FAQ.

For major accidents or if your car is unsafe to drive, please contact our 24 Hour Roadside Assistance team via 1800-88-1033.


For minor accidental damages and if your car is safe to drive, kindly notify your claim to AXA e-Claim via WhatsApp at (+603) 2170 8282 or at

Claims typically require several business days to process.


For more information on your claim status, please contact AXA’s customer service at or through their customer hotline at (+603) 2170 8282 every Monday to Friday from 8.30 AM to 5.30 PM (excluding public holidays).

You will be able to earn 1 Mesra point for every RM5 of the grand total payable of your motor insurance which is inclusive of SST, stamp duty and add-ons purchased. For example, if you paid a grand total RM1,000 for motor insurance, you will get 200 Mesra points.


The campaign period is from 12th July – 30th September 2022.

You will get cashback after successful purchase of motor insurance policy with a minimum spend of RM500.

View your cashback after payment by going to ‘More’ > ‘Payment history’ in the Setel app.

The cashback will not expire and will be eligible for use so long as you have an active Setel account.

Setel cashback can be used to pay for fuel, motor insurance, parking and items in Kedai Mesra or on Deliver2Me or at any partner online and physical stores that accept Setel Pay, only within the Setel app.

The RM50 cashback is applied individually on each motor insurance purchase with a minimum purchase amount of RM500. There is no limit to the number of times a user may receive the RM50 cashback as long as the motor insurance purchase is made during the campaign period.

Can’t find the answer you’re looking for? Reach out to our customer support team.