TREVO Shield is the first Insurance Policy purely for car-sharing Hosts (excluding Commercial Hosts) in Malaysia. Together with our premium insurer, Allianz, we have launched an insurance policy that safeguards the car(s) you host even more with our innovative insurance coverages.

In the rare event that your Guests unintentionally cause injuries and damage to another person and their car while driving your car, TREVO Shield will cover your car against self-damage, and fire & theft. TREVO Shield also provides you with EXTRA coverage in the rare cases of driving accidents by Guests — to your car’s body, paint, and bumper. *

Other TREVO Shield EXTRA Safe features include:

◉ No Claim Discount (NCD) Relief**

◉ Compulsory Excess Relief

◉ Towing and Roadside Assistance

* Only available on the Shield 65 Plan and Shield 60 Plan

** Only available on the Shield 60 Plan

1. Insurance policy under Allianz

2. Comprehensive coverage selected

3. Unnamed driver / All drivers selected

4. Renewal via TREVO Guard

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You have to be an Allianz Private motor insurance policyholder. The TREVO Shield Plan is an add-on safeguard that complements your Allianz Private motor insurance policy.

To gain a better understanding of how TREVO Shield works alongside your personal motor insurance policy, read our TREVO Shield blog posts.

Yes. It’s mandatory to embark onto TREVO Shield for the motor protections extended to P2P car sharing, together with other EXTRA Safe features offered by TREVO.

You have to be an Allianz Private motor insurance policyholder. The TREVO Shield Plan is an add-on safeguard that complements your Allianz Private motor insurance policy.

To gain a better understanding of how TREVO Shield works alongside your personal motor insurance policy, feel free to read our TREVO Shield blog posts.

Yes, underwritten by Allianz General Insurance Company (M) Berhad, TREVO Shield (termed by TREVO) is a Peer-to-Peer Insurance Add-on that is recognised by Persatuan Insurans Am Malaysia (PIAM) and Bank Negara Malaysia.

Please keep in mind that the Plans which offer a higher earning (% of Trip Rate) are conditioned with higher liability each time you make an Insurance Claim, and less EXTRA Safe features.

Choose a Plan with the ideal Earning to Coverage Ratio

If you opt for Shield 60 or Shield 65, you will earn 60% or 65% of the Trip Rate respectively, Having said that, these Plans offer EXTRA Safety features, for instance for Shield 65, you’ll receive EXTRA coverage for exterior dents/damage and a lower Surplus Charge of RM400.

Meanwhile, Shield 60 enables you to earn 60% of the Trip Rate. It provides you with EXTRA Safety features that are unavailable in other Plans such as No Claim Discount (NCD) Relief and ZERO Surplus Charge Excess.

Every TREVO Shield Plan comes with a different set of features. Pick the Plan that best suits your earning goals and safety needs as a Host.

Hosts (excluding Commercial Hosts) will be contractually protected against physical damages (collision and other comprehensive causes), fire & theft, up to the insured value of the Vehicle. Establish contact with TREVO Customer Service at known point of the Incident happening.

TREVO shall be responsible for handling the insurance claims process on behalf of Hosts, with reasonable assistance provided by the Hosts and subject to the Hosts’ compliance to TREVO and Insurance terms and conditions.

For post-Trip damages and incidentals, TREVO will assist/work closely with You, Insurer’s panel inspectors, and the police to carry out the necessary investigations.

For all claims, Hosts are required to submit a report (Booking Issue Report) via the TREVO app.

For MINOR damages, we may at our discretion directly reimburse Hosts for damages:

• caused by the Guests during a Trip

• for which repairs cost is less than the claim threshold of RM1,500 as set out in Annex 2 of our Terms of Service

• in the sole opinion of TREVO, does not constitute normal wear and tear on the Vehicle.

For MAJOR damages:

For any major incidents that require immediate attention, Hosts may reach out to TREVO Customer Service via Livechat on the TREVO app.

For post-Trip major damages and incidentals, TREVO will assist/work closely with Allianz’s panel inspectors and police to carry out the necessary investigations. In the event the cost of any damage to the Vehicle (as ascertained by the P2P Insurer’s panel workshop) is more than RM1,499, you agree to make a claim from the P2P Insurer to rectify/repair such damage or bears the cost of repair yourself.

In the event of a loss or damage arising from a Trip for which you are entitled to make claims under TREVO Shield, such claims are approved by Allianz. You shall pay a Surplus Charge (according to the Shield Plan) to TREVO and Allianz shall, at their option, pay you:

• the reasonable or actual expenses incurred in repairing the Vehicle; or

• the fair market value of your Vehicle, or the sum insured in the applicable policy, whichever is lower,

• determined by your insurer at its sole discretion.

Deductible is the fee payable to TREVO in facilitating your Insurance claim filing.

For example, in the case of Shield 60, TREVO Shield offers 0 (Zero) Deductible where you are supposedly financially responsible for in other Plans, in the event of physical damage to your car during a TREVO trip, you’re eligible for reimbursement.

TREVO allows our liability to the dents caused by TREVO Guests as per the guidelines below:

a) The paint and body of your car (excluding tyres, side mirrors, windscreen, windows, antenna, and any accessories)

i) Dent: A depression or contouring on a single panel 2 inches or more in diameter

ii) Scratch: More than 3 linear inches in length

b) Your car’s bumper

Scratches or dents to bumpers and attached components, provided the scratches are cosmetic in nature and do not compromise the safety and function of the vehicle.

i) Dent: A depression or contouring on a single panel 2 inches or more in diameter

ii) Scratch: More than 3 linear inches in length

The maximum payable amount under Exterior Minor Dent/Damage policy is RM1,000 per renewal of your Base Private Motor Insurance with P2P Insurer.

NCD is a form of premium discount for not having made a claim during the preceding period of your Private Motor Insurance (provided the period of insurance exceeds one year).

If TREVO Guests meet with an Incident which will give rise to a claim on TREVO Shield, the NCD of your Private Motor Insurance entitlement that you have accumulated would drop to zero at the next renewal and your NCD will start all over again. TREVO follows the NCD clauses as stipulated in your Private Motor Insurance Policy

NCD Relief

In consideration of the Shield 60, TREVO agrees to compensate you the NCD that you may forfeit due to a claim being made under TREVO Shield. The amount is one-off and is equal to your NCD entitlement as stipulated in your Private Motor Insurance Policy for the current Period of Insurance.

NCD Relief provided under Shield 60 is terminated automatically when:

• Insurer make a payment for a claim under this Relief

• You change your Shield 60 Plan to other Plans

• You withdraw your NCD entitlement from your Private Motor Insurance

How NCD Relief works:

For example, if the full premium of your comprehensive Private Motor Insurance policy is RM1,000, and you have accumulated NCD of 55% in year 2022.

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Actual premium paid in 2022 @ 55% NCD = RM450

NCD = RM550

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Let’s say in the same year, a TREVO Guest gets into an incident with your car and files for TREVO Shield claim. The effects of the claim are:

1. TREVO will compensate you with a one-off RM550 owing to the NCD Relief in 2022

2. You will pay RM1,000 for your 2023 Private Motor Insurance Renewal

3. Nullify your NCD of your Private Motor Insurance (NCD=0%)

TREVO Shield coverage excludes any injuries and damages that are caused when you are driving your own TREVO-listed car, as it is purely a car-sharing Insurance Policy that safeguards your car when it is being driven by Guests.

When you are driving your own TREVO-listed car, your personal Allianz motor insurance policy will protect you.

% of Trip Rate

The percentage of the booking fee that is paid by your Guest to you (the Host) in exchange for the use of your TREVO-listed car. You receive a percentage of the trip rate — after subtracting the costs of your protection plan (including the TREVO platform fee) and other deductions by TREVO.

Deductible

This is the amount that you have to pay to Trevo for each and every claim that TREVO Insurer approves, even if the incident is NOT your fault.

Exterior Dents / Damages

Our Shield 65 and Shield 60 Plans cover exterior damages to your TREVO-listed car’s body, paint and bumper. This EXTRA Safe feature is applicable in the event of a collision by your Guests. All dents / damages claims are subject to terms & conditions set by TREVO.

Compulsory Excess Relief

For every Insurance claim there is a portion that you will be required to pay as the first amount that you have to bear; as agreed to in your Insurance policy – the amount is known as ‘excess’. TREVO Shield offers a waiver to the Excess.

Towing and Roadside Assistance

TREVO Shield offers up to RM200 in towing costs for your car to Allianz-approved workshops.

Our Shield 65 and Shield 60 Plans cover minor exterior damages to your TREVO-listed car’s body, paint and bumper, up to RM1,000.

Minor Dent means a depression or contouring on a single panel with a measurement of 2 inches or more in diameter.

Minor Scratch means a measurement of more than 3 linear inches in length. If the external dent/damage does not meet the aforementioned measurement, it will be considered as wear and tear and the Organic Host shall not be compensated.

TREVO Shield is a P2P insurance Add-On protection specifically created for TREVO Hosts and is underwritten by Allianz.

TREVO Shield comprises of plans (TREVO SHield Plan 75, 65 & 60) that cater to Hosts of different liability and earning appetites. Only TREVO Hosts can subscribe to a TREVO Shield plan.

Host is required to migrate to Allianz for their Private Motor Insurance of their next due insurance renewal via TREVO Guard.

Meanwhile, TREVO provides protection to cars, regardless of which Insurer until end June 2023, with condition that Host has opted for a TREVO Shield Plan.

Yes, TREVO Shield indemnify your booked Guest (verified by TREVO) for the amount which You and/or Guest are legally liable to pay any third party for:

- death or bodily injury to any third party that is directly involved in the incident (except those specifically excluded under the Policy, that is very similar to Private Motor Policy).

No, you will earn either 75%, 65% or 60% of your booking earnings based on the Shield plan that you have selected.

TREVO Shield is an Insurance Policy purely to cater for Host who participats into P2P Car sharing, underwritten by Allianz. It covers your cars listed on TREVO for car sharing purpose.

TREVO Shield comes with 3 different plans, namely Shield 75, Shield 65 and Shield 60. Higher Shield Plan (i.e. Shield Plan 75) offers a higher earning (% of Trip Rate) are conditioned with higher liability and less EXTRA safe features each time the car caught in an incident.

Please refer to TREVO blogpost for more details : https://community.trevo.my/blog-home/trevo-shield-part-2-english

If you're under the Shield 60 plan, there is a one-time No Claims Discount (NCD) Relief benefit.

However, for Shield 65 and 75 your NCD will be zero (0) in the event of any claims.

If your Private Motor Insurance is insured by Allianz, P2P Add-on will be provided by TREVO for FREE automatically.

From 30 June 2023 onwards, all TREVO listed cars are required to renew their Allianz's Private Motor Insurance via TREVO Guard, where P2P Add-on will be provided for free. Otherwise Host is envisaged to bear the P2P Add-on costs.

Yes, you still have to choose a Shield plan when you share your car on TREVO.

If you haven't listed your car on the app, you can choose a TREVO Shield plan during the listing process.

If it's an exisiting listing and you have not selected a Shield Plan, you can contact us via live chat.

P2P add on costs is to be borne by TREVO, as the car sharing Marketplace provider.

No, Allianz only offer general insurance for now.

With the P2P add on, 3rd party injury claims will be covered under P2P clauses, during a TREVO booking.

Yes, you still have to choose a Shield plan when you share your car on TREVO. Shield Plan decision is your choice of appetite for liability and earning.

If you haven't listed your car on the app, you can choose a TREVO Shield plan during the listing process.

If it's an exisiting listing and you have not selected a Shield Plan, you can contact us via live chat.

Please read here for more TREVO Shield details:

https://community.trevo.my/blog-home/trevo-shield-part-2-english

No, we don't impose fine. In the event of an accident, the Guest is charged according to the damage and Host will be required to pay Surplus Charges in the event the repairing require insurance claims.

Charges to Guest owing to the caused damage is independent from Host's Surplus charges.

As a Host, your listed car(s) is/are required to be insurered under Allianz for your Private Motor Insurance.

TREVO Shield is the P2P Insurance Add-On (underwritten by Allianz) that TREVO provides for P2P Car sharing purpose.

TREVO Shield comprises of 3 plans (TREVO Shield Plan 75, 65 & 60) that cater to Hosts of different liability and earning appetites. Only TREVO Hosts can subscribe to a TREVO Shield plan.

In the case of Shield 75, for damage claims less than RM1,999, we will charge the amount to the Guest assuming that they have caused the damage during a booking to cover the cost of the repairs.

Host will not be charged of the RM1,500 Surplus Charge should the repair costs is less than RM1,500.

Under all TREVO Shield, you are eligible to claim up to the vehicle sum insured value or market price of your vehicle (whichever is lower) in the event of a car theft.

However, a Surplus charge will apply to the Host, subject to the TREVO Shield Plan they have opted for.

You are strongly recommended to renew your Private Motor Insurance via TREVO Guard, where the P2P insurance add-on costs will be borne by TREVO.

Otherwise, you are liable for the P2P add-on costs should you choose to renew via an Insurance agent or direct via Allianz's portal.

Deductible is the amount that you have to pay to TREVO for every claim that TREVO Insurer approves, even if the incident is not your fault.

Shield 60 enjoys RM0 Deductible while Shield 65 and Shield 75 are required to pay RM400 and RM2,000 Deductible respectively.

Host is required to migrate to Allianz for their Private Motor Insurance during the next due insurance renewal via TREVO Guard.

Meanwhile, TREVO provides protection to cars, regardless of which Insurer until end June 2023, with the condition that Host has opted for a TREVO Shield Plan.

Yes, for now, TREVO Shield (P2P insurance) is only provided by Allianz.

Host is required to migrate to Allianz for their Private Motor Insurance during the next due insurance renewal, via TREVO Guard.

Meanwhile, TREVO provides to cars, regardless of Insurer until end June 2023 with condition that Host has opted for a TREVO Shield Plan.

Host is required to migrate to Allianz for their Private Motor Insurance of their upcoming due insurance renewal via TREVO Guard.

Meanwhile, TREVO provides protection to cars, regardless of which Insurer until end June 2023, with condition that Host has opted for a TREVO Shield Plan.

Although TREVO Guard is not mandatory, we highly encourage Hosts to insure their listed vehicles via TREVO Guard. Hosts also have another choice to obtain their own insurance with P2P add-on. In this case, the listings will be places under Shield 70

If you do not switch, you are required to obtain insurance with P2P add-on for your vehicle. In this case, the listing vehicle will automatically be placed under Shield 70, which offers only basic coverage. You may also face the risk of your vehicle being delisted from the platform.

You should switch at the next renewal of your Base Policy or within six months of your vehicle’s listing (whichever comes first).

For SHIELD 6O users, Hosts may choose a Promo via TREVO (replacement car), OR loss of income but not both. SHIELD 65 users are eligible ONLY for the Promo via TREVO (replacement car).

Loss of income benefits are capped at 2% of the insured value per year, with a per-accident cap:

• 1st accident: 1.2%

• 2nd accident: 0.8%

You will receive the full 2% cap. and no second accident claim will apply.

Loss of income is calculated from the date the vehicle is sent to the workshop.