TREVO
TREVO Shield
TREVO Shield
Protection That Works As Hard As You Do
TREVO Shield is a P2P insurance benefits plan designed specifically for car sharing. Built in partnership with Allianz General Insurance and Etiqa General Insurance, TREVO is a PIAM-registered insurance agency that acts as agent for these insurers. Shield covers third-party liability, vehicle damage, fire & theft, roadside assistance, and more — so you can share your car with confidence.
Shield premiums are fully borne by TREVO. You only pay the Marketplace Fee difference based on your chosen plan. It's that simple.
Understanding Insurance for Car Sharing
What is Private Motor Insurance?
Private motor insurance is a legal requirement for every vehicle on Malaysian roads. It protects you financially against accidents, theft, and third-party claims. There are three main types:
- Third Party Only — Covers damage or injury you cause to other people and their property. Does NOT cover damage to your own car. This is the minimum legal requirement.
- Third Party, Fire & Theft (TPFT) — Adds coverage for your car if it's stolen or damaged by fire. Still doesn't cover accident damage to your own car.
- Comprehensive — Covers third-party claims PLUS accidental damage to your own car. This is what most car owners choose.
What Does Private Insurance Typically Cover?
A standard comprehensive policy usually includes:
- Third-party bodily injury and property damage
- Damage to your own vehicle in an accident
- Fire and theft
- Windscreen damage (with limits)
- Roadside assistance or towing
- No Claims Discount (NCD) protection options
Why Private Insurance Doesn't Cover TREVO Bookings
Here's the critical detail most hosts miss: private motor insurance policies have a "carriage of passengers for hire or reward" exclusion. When a TREVO guest pays to rent your car, your private insurer considers this a commercial activity — and they will deny your claim.
Even if your guest caused the accident, even if you have comprehensive coverage, even if you've been with the same insurer for years — if they find out the car was rented on TREVO at the time of the incident, your claim will be rejected. You would be personally liable for all damage, third-party claims, and legal costs.
WARNING: Making a false declaration to your insurer (claiming the car wasn't rented when it was) is insurance fraud. This can result in your claim being denied, your policy being voided, and legal action against you.
Why You Need TREVO Guard
TREVO Guard is how you renew your car insurance the right way for P2P car sharing. It's your base motor insurance policy issued by Allianz or Etiqa — insurers that have partnered with TREVO and explicitly allow P2P car sharing. When you renew through TREVO Guard, the P2P add-on is included automatically and for free, so every booking is properly covered from day one.
Choose Your Shield Plan
| Feature | Shield 60 | Shield 65 | Shield 75 |
|---|---|---|---|
| Host keeps | 60% | 65% | 75% |
| Marketplace Fee | 40% | 35% | 25% |
| Deductible per claim | RM0 | RM400 | RM2,000 |
| Third-party liability | ✓ | ✓ | ✓ |
| Fire & theft | ✓ | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ | ✓ |
| TREVO Track GPS | Free | Free | RM15/month |
| Replacement car | ✓ | ✓ | ✗ |
| Loss of income | 2% insured value / year | ✗ | ✗ |
| NCD Relief | One-off payout | ✗ | ✗ |
| Daily P2P Protection | Free (100% TREVO) | Free (100% TREVO) | RM3/day (host) + RM3/day (TREVO) |
| Guest first booking promo | 100% TREVO | 100% TREVO | 50/50 split |
| Seasonal promos | 100% TREVO | 100% TREVO | 100% TREVO |
| Minor dent/scratch coverage | Up to RM1,000 | Up to RM1,000 | ✗ |
New hosts get a 3-month grace period to migrate to a P2P Insurer. During this period, TREVO's liability is capped at 50% of normal. After the grace period expires, your listing may be de-listed if you haven't migrated.
Daily P2P Protection
Daily P2P Protection ensures your car is covered every day it's booked on TREVO. It's extra protection on top of the base Shield plan.
| Shield Plan | Cost per booking day | Who pays |
|---|---|---|
| Shield 60 | RM0 (Free) | 100% covered by TREVO |
| Shield 65 | RM0 (Free) | 100% covered by TREVO |
| Shield 75 | RM3 / day | RM3 host + RM3 TREVO (total RM6/day) |
Note: Daily P2P Protection is only applicable to listings with P2P-compliant insurance (Allianz or Etiqa General). It is charged via host earnings payout and applied automatically — you don't need to do anything to activate it.
TREVO Guard — Insurance Renewal
TREVO Guard is how you renew your car insurance the right way for P2P car sharing. Here's how it works:
- Open the TREVO app and tap TREVO Guard
- Select Renew Insurance and fill in your details
- Choose Comprehensive coverage
- Select Unnamed driver / All drivers
The P2P add-on is added automatically and for free when you renew via TREVO Guard. Your Base Policy must be from a P2P Insurer (Allianz or Etiqa) through TREVO Guard to be eligible for Shield 60/65/75 plans.
Important: Non-Allianz or non-Etiqa policyholders are NOT eligible for Shield 60/65/75 plans. You must have your Base Policy from a P2P Insurer through TREVO Guard.
How TREVO Shield Differs from TREVO Guard
TREVO Guard is your base motor insurance renewal — the mandatory insurance every car on Malaysian roads must have. It's issued by a P2P Insurer (Allianz or Etiqa) and serves as your primary insurance policy. Without it, you cannot legally drive your car.
TREVO Shield is the tiered benefits add-on on top of your Guard policy. It determines your earnings split (60%, 65%, or 75% of booking revenue you keep) and provides extra protection like NCD relief, loss of income, roadside assistance, and minor dent coverage. Shield premiums are fully borne by TREVO — you only pay the Marketplace Fee difference.
In short: Guard = your base insurance policy. Shield = your earnings plan + extra benefits. You need both to host on TREVO.
Switching to TREVO Guard: Step-by-Step
Already have insurance with another provider? Here's how to switch to a P2P Insurer through TREVO Guard:
- Contact your current insurer. Inform them you'd like to switch providers and cancel your existing comprehensive policy. Ask about any cancellation fees or refunds for the unused portion of your premium.
- Complete the JPJ K6 form. This form authorises the transfer of your vehicle's insurance records. You'll need to submit your name, IC number, vehicle registration number, and new insurer details (Allianz or Etiqa).
- Cancel your existing policy. Once the K6 is processed, your current insurer will cancel the policy. DO NOT cancel before completing the K6 — driving without insurance is illegal.
- Request NCD release. Your No Claims Discount belongs to you, not your insurer. Request an NCD release letter or certificate. You'll need this when setting up your new policy with TREVO Guard to preserve your discount.
- Wait for confirmation. The transfer typically takes 3-5 working days. Once confirmed, open the TREVO app, tap TREVO Guard, and select Renew Insurance to set up your new policy with your P2P Insurer.
Important: Do not cancel your existing policy until the JPJ K6 form has been processed and your new policy through TREVO Guard is ready to activate. There must be no gap in your insurance coverage — driving without valid insurance is a serious offence in Malaysia.
Frequently Asked Questions
Is TREVO Shield mandatory?
Yes — for Organic Hosts. You must have a Base Policy from a P2P Insurer (Allianz or Etiqa) via TREVO Guard to list on TREVO.
What is the grace period for new hosts?
New hosts get a 3-month grace period to migrate to a P2P Insurer. During this period, TREVO's liability is capped at 50% of normal. After the grace period expires, your listing may be de-listed if you haven't migrated.
How do I upgrade my Shield plan?
Submit a request via the Host Request Form at community.trevo.my/host-request-form. A 5% rebate may apply when converting to Shield 65 or 60 (terms and conditions apply).
How do I report a claim?
Report via the TREVO app: Host → History → Booking → Report an Issue. You must report within 48 hours of the trip ending. Claims take 7-14 working days to process. For damage over RM2,000, it must be claimed from your P2P Insurer.
What counts as a minor dent or scratch?
Minor dent: Depression on a single panel, 2+ inches in diameter.
Minor scratch: 3+ linear inches.
Covered under Shield 60 and 65 only, up to RM1,000, once per insurance term. Damage smaller than these measurements is considered normal wear and tear.
How long does listing approval take?
Approximately 24 hours after submitting all required documents.
Ready to protect your car?
Upgrade your Shield plan today and earn with confidence.