Setel Axa Lockup

Smarter coverage for all drivers

Protect your car with a comprehensive plan that covers against damage and theft.

Promo 10percent

Get 10% rebate on top of your No Claim Discount (NCD)!*‚Äč

Purchase your motor insurance on Setel.

Promo Kfc

Be the first 500 to get a FREE RM20 KFC Delivery e-Voucher!*

Purchase motor insurance on Setel with a minimum gross premium of RM300.

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.

Manage Spending

Bigger savings

Get a 10% rebate on top of your No Claim Discount (NCD) when you purchase on Setel. *Terms & conditions apply.

Why is Setel better (than your agent)?

BenefitSetelYour agent
10% rebate on top of NCDSuccessError
Provides e-policySuccessError
Safeguards your data privacySuccessSuccess
Online vehicle details managementSuccessError
Instant quotation in a clickSuccessError
Get rewarded with Mesra pointsSuccessError
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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 purchase motor insurance on Setel

Screen Insurance More

1. Go to 'Motor insurance'.

Navigate to More on Setel app menu. Select Motor insurance.

Screen Insurance Quote

2. Provide vehicle information

Check the renewal criteria and provide vehicle information.

Screen Insurance Customize

3. Customise

Customise coverage plan and enter personal details.

Screen Insurance Email

4. Receive e-policy

Complete payment and receive e-policy via email.

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.


You can qualify for the 10% rebate as long as you purchase the AXA SmartDrive Enhanced policy through Setel from 28 February – 27 May 2022.

The 10% rebate will be applied on your gross premium and will be viewable in the quotation summary upon checkout.

You will be eligible if you meet all of the criteria below :

1) The first 500 users to purchase the AXA SmartDrive Enhanced policy through Setel.

2) Minimum Total Due Amount Payable (Gross Premium) of RM300.

3) Purchase period: 28 February – 27 May 2022

You will receive the e-Voucher code via an app inbox message in 30 days after being notified through the app that you’re qualified to receive the voucher.

Vouchers are on a first-come, first-served basis. Further terms and conditions apply.

Yes, you are eligible for both promotions as long as you fulfill the criteria stated above during the Campaign Period.

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